BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: COAST PROFESSIONAL INC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After I was wage garnished by Coast Professional INC on XX/XX/XXXX, I received a letter from Federal Student Aid. Within this correspondence the statement, " Education loans included in bankruptcy petitions filed on or after XX/XX/XXXX, can not be discharged in bankruptcy unless the court finds that repayment would impose undue hardship ... .. ''. Then I realized that I didnt owe the loan. Being ignorant of the bankruptcy law at the time I filed for financial relief from the court I didn't have a great understanding, nevertheless, the petition was granted. I listed the US Department of Education as creditors. This creditor was the main reason I petition for relief. 

This case was filed on XX/XX/XXXX. It can to term on XX/XX/XXXX. The case is # XXXX XXXX. My Attorney was XXXX XXXX. 

Because I really didn't knew the law and total depended on my attorney because I was stressed in my state of mind. Because I didn't ask the important questions I thought I still owe the U S Department of Education and because they stated through communications that I did. 
I was know as XXXX XXXX at the time of the loan in XXXX. When I default I filed for bankruptcy in XXXX under this name. In early XXXX 's I got a judgement against me despite the bankruptcy. Tax refund off-set for decades were levied against me. The US Department of education didn't recognize my bankruptcy when it was within the law at the time pertaining to discharging student loans in bankruptcy.

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 2021-09-10
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX/XXXX/XXXX I made a loan with XXXX XXXX XXXX in the amount of {$1200.00}. The company was operating out of a Advance America store in XXXX, Ohio. Believing it was a typical small loan with going interest rate of of 24 to 28 % I signed the contract. The payments are {$330.00} per month. After making five payments I decided to payoff the loan believing The payments made had brought the loan to a small amount. I was shocked to find I still owed seven more payments of {$330.00} which totaled XXXX. The finance charge is {$2700.00} @ a rate of 307.76 %. I contacted and complained to the service center @ XXXX XXXX XXXX XXXX XXXX. I then went to my XXXX XXXX and had a stop payment made on my auto withdrawal account. I also called XXXX hot line and was assured they would stop the payment and adjust the account. This occurred around XXXX/XXXX/XXXX. 
I received a letter from XXXX dated XXXX/XXXX/XXXX saying I was obligated to still obligated to pay the seven payments On XXXX/XXXX/XXXX I receive a letter from Advance America stating their company had assisted me in acquiring the loan and they were assigned my loan which had a balance of {$2100.00} owned to Advance America.. 

On XXXX/XXXX/XXXX {$500.00} was taken out of my bank account without my authorization .There was only {$5.00} in the account.causing it to be overdrawn for a minus - {$530.00} including fees. I went to the band was told they could not do anything because the Company had changed the withdrawal amount. 
the letter from XXXX states they are going to withdraw another ( 4 ) payments of {$500.00} from my account.. The bank is trying to stop this from occurring. 

I am XXXX XXXX XXXX and can not afford to lose the amount of money. This type of operation must not continue. Finance Companies should not be allowed to take advantage of those in need of of loans especially elderly and uninformed seniors. PLEASE HELP TO STOP THIS PROCESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX* U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and Equifax, Equifax states to CFPB XXXX   not reporting but XXXX XXXX is stating Equifax is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that XXXX XXXX by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX XXXX /

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: GA
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:
My medical transaction is being reported on consumer report which is a HIPPA violation. No medical information should be reporting on my consumer 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 2021-09-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a phone line account with XXXX I pay for every month opened in XXXX. But a collection was filed against me from XXXX. I tried to buy a cell phone from them in XXXX but the order was cancelled. If this has anything to do with that order its false because I never received that phone and the phone was never activated. So this collection is inaccurate I never opened a phone line In XXXX. And the collector isnt under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I'm XXXX YRS- works as a XXXX XXXX XXXX- for XXXX XXXX XXXX an Agency that is responsable to take care of the Sick, the bunerable, elderly, misfortunate, drug addicts, XXXX XXXX XXXX belong to the XXXX XXXX XXXX XXXX XXXX XXXX, I retire from them a few years ago, but I was not aware I had a Rollover-IRA- finally I had some money after I intervine, the Company sent the money to the Citibank located at, CITIBANK RETIREMENT PLAN SERVICE -XXXX-XXXX-XXXX- XXXX   XXXX, TX. XXXX- I have to remove the Money from them because of my age, the banking Staff at CitiBank , NA-XXXX-XXXX XXXX-N.Y. XXXX-Vice President NMLS # XXXX XXXX XXXX has help me with the transaction, fot the second time those people overthere are givingme the runaround always asking for the same information, I had submitted to them XXXX Driver Licency, as an ID- XXXX XXXX XXXX   Medicaid, my address, I need my refunds.

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 2021-09-02
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We received back information from CFPB today and the PHH mortgage attorney XXXX XXXX. Closed case # XXXX. Mr XXXX to be blunt is completely inaccurate in his response. 
XXXX sent us a letter of transferring our service to Ocwen dated XX/XX/XXXX. 
There is no wording on the letter about modification in XXXX as we did not apply for modification with XXXX in XXXX we applied with Ocwen who has lost the file. 
Funny Ocwen has a track record of losing files. We were not denied a modification in XXXX it was XXXX. Why would we be contacting XXXX  XXXX  looking for the original copy of the XXXX as this is what Ms XXXX and Mr XXXX said for us to produce. Please review the recordings of the phone calls I had with them.We would appreciate the attorney representing PHH Ocwen to be fair and honest. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have been an existing Citibank checking account customer since XXXX. On XX/XX/XXXX, I received the XXXX offer email from Citibank as attached. In the email there was a unique referral link of mine which could be shared with my friends. The email stated that " when my friend used my link to open an eligible Citi Checking account, I would receive a {$100.00} cash bonus within 90 days. '' Then on XX/XX/XXXX, I referred one of my friends to open a new Citibank checking account via my referral link. Now today, I still have not received my {$100.00} referral bonus. 
During the last 5 days, I called Citibank customer service more than 5 times. None of them could resolve the issue, and two of them told me that the bank branch in which I opened my checking account was responsible for XXXX offer. Then on XX/XX/XXXX I called Citibank XXXX XXXX XXXX. The agent in the branch refused to help resolve the issue. She claimed that the branch was not responsible for the referral using the referral link under XXXX offer. The branch would help only if my friend was referred to open the new Citibank checking account in branch. 
All in all, I tried to contact Citibank many times. I was answered with conflicting information and all from Citibank claimed they had no responsibilities. As a result, nobody from Citibank helped and I did not receive my referral bonus as advertised in the email.

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 2022-08-11
Company: EQUIFAX, INC.
State: CA
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. XXXX CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX XXXX opened XX/XX/2014 is an account that was fraudulently open 8 years ago. 

Yes this is fraud, however ; this is an account older than 7 years and must be removed on that very fact alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
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:
Without my context, Best Buy credit card company pull hard inquiry on XX/XX/2021. I have been contacting to the company several times and they never resolved my issues. 
Please remove my credit hard inquiry 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 2021-11-02
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CARD XXXX, XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX, XXXX CARD XXXX and XXXX CARD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX XXXX  I called several times to resolve this matter to delete inaccurate names addresses employments off my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual to submit my name, address, employment, or phone number. Additionally, I have not given XXXX, XXXX, Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. The reporting of the inaccurate names, addresses, and employments has violated FCRA Section 607, which requires that only accurate information be reported in a consumers report. Per 15 USC 1692J No one may design, compile and/or furnish any form which creates the false impression that someone other than the creditor is participating in the collection of a debt. The use of these false names addresses employments are given false impressions. I am completely aware that each violation is {$1000.00}, I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. I will upload proof of my full name and my accurate address where I want all my disputes sent to the same address.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and XXXX regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.

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 2021-06-07
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
these acconuts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

2. Identity Theft AMERICAN HONDA FINANCE Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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 is missing that should be on the report

Complaint:
Something is seriously amiss at Equifax. XXXX  and XXXX both have an accurate credit history on me. Equifax claims that I do not exist and sent a form letter to that effect. Equifax was sent a current copy of my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Terrill Outsourcing Group
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Superlative RM has called me everyday for the past few weeks after I stated in my first letter to not contact me. I have asked for a validation of debt which is the original handwritten contract. They still have yet to even respond to my letters. The company still has tried calling me everyday. This is harassment. They have also threatened to sue me as well.

Company response to consumer: Closed with explanation