BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I had a payment due on my Citi card. My account is set up for auto debit. I made more than the minimum payment due of {$7100.00}. I called to make sure they would NOT also debit my checking account. Citi accepted my payment of {$10000.00}. I was told on call number one that they would NOT also debit my checking account. 

Today - they debited my checking account, causing a $ 5000+ overdraft. I can not reach anyone at Citi who is helpful. Despite the fact that they see and have seen the payment, I am told it will take 3 - 5 business days to resolve. I am told there are no supervisors above the person I spoke with for 20 minutes. 

I have other checks coming through, which will bounce, fees, service charges and on and on and on. I need 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 monetary relief
Consumer complaint received 2017-11-17
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 had my identity stolen in XXXX XXXX and a number of fraudulent credit inquiries appeared on my credit report. The only remaining credit bureau that has not removed these fraudulent inquiries is Equifax. I have called Equifax and they still have not corrected all fraudulent inquiries. Below are all the online disputes I have submitted to Equifax and still there is no action from them. I 've called the companies associated with the credit inquiries and they have sent Equifax multiple letters to remove the inquiries due to fraudulent activity. Equifax still does not remove the remaining fraudulent inquiries. 

Here are all the disputes I have filed to Equifax since XXXX XXXX and Equifax still fails to resolve this issue : XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pro Collect placed a collection on my account and has not responded to my attempts to get them to prove that the debt is mine. Nor will they remove it from my credit report. 
They just sent me a copy of a final bill as " proof '' of the debt. 

When I called them to try to resolve this issue, the person stated that there was a '' freeze on my account ''. She stated that since I was a " third party '', she could not talk to me. She said I had to email a manager. When I emailed the manager I received a response stating that my debt had to be paid in full. 


If I am a '' third party '', why was the debt placed on my credit report? That alone should be proof that the debt is invalid.

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 2021-11-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Just wanted to share a story- I have a private loan with American Education Services from way back in XXXX. In the last 10 years of consistent repayment, I have now paid {$7200.00} on a {$6200.00} loan. According to AES, I still owe {$6200.00} - which is more than my original loan even was. How is this remotely right? They've got their money back plus {$1000.00} - are there advocates for student borrowers like me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is a formal complain regarding my credit report. Suddenly, I found account and inquires in my profile that do not belong to me. I do not recognize them at all O tried to contact these companies however they never pick up the phone, I am sure that someone just used my personal information and as a result I am a victim of identity theft. This situation is damaging my score and credit and I my financially suffering now. Please remove them asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
I had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the Navient company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to Navient. Consistently, the Navient Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XX/XX/XXXX but XX/XX/XXXX as well. I have contacted Navient by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because Navient  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem getting your free annual credit report

Complaint:
Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.

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 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I spoke with a rep after XXXX/XXXX/XXXX with XXXX. The rep advised that the request on XXXX/XXXX/XXXX was received and confirmed that my request was pursuant to my rights afforded by FCRA 611. The rep advised that although pursuit to my rights by FCRA none of the accounts included on my request were verified with my original contract or identification provided at the time of applying because those companies are n't required to do that. I advised the agent that per my rights afforded to me by FCRA credit reporting agencies held the responsibility to verify anything added to my report with the original contract. The agent then went to advise that although you did not complete your steps as a credit reporting agency you did not remove unverifiable accounts from my file. The information in response to my complaint it states, " For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. '' This does not correlate with the information provided by the representative who confirmed TransUnion did not get proper verification under FCRA 611 and provide me copies. It also does n't correlate with the representatives advisement that the accounts were not deleted.When i first reached out to TransUnion regarding a copy of my report and the proper steps to take regarding my disputes I was then advised that for public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly to FRCA and other laws thought were included with my report titled YOUR RIGHTS AS A CONSUMER. According to the information confirmed by your agent that had not been done and a copy of the verification documents ie ; original contract, proof of identity, and/or updated credit report was not received by mail.

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 2018-01-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My account was not over drawn as I checked with Chase to validate.I gave a check to a Company that was working on my property.The name XXXX XXXX check # XXXX for XXXX dollars.I had given him checks before from the same account, He went to Chase Bank at XXXX XXXX XXXX XXXX and he was denied so he called me and i spoke to the bank person who told me he didn't know what was wrong.XXXX XXXX then went to a second Chase location at XXXX XXXX XXXX and the same thing occurred by this time i was seething. I am in XXXX California 30 miles from him and he needed to pay child support. I told him to meet me at The Chase Bank at XXXX XXXX XXXX in XXXX XXXX and we were helped by XXXX XXXX who was courteous and tried everything including calling Chase and verified I had the funds. ( XXXX ) his phone number.I tried the first and wrote a second check that cleared and then bounced.I was over 2 hours of down time and facing 2 bridge tolls and a shooting that had tied up XXXX XXXX in XXXX XXXX.I then told them to withdraw cash as XXXX was up a creek with Child Support.I am baffled and disappointed in Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX  and they say I don’t owe them anything and they never contacted mrs to collect debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is XXXX. On XX/XX/XXXX, I made my a full payment. Since then, I read in my XXXX magazine, if you make 2 half payments a month, it's like making an extra payment a year. So I made a XXXX payment on XX/XX/19 and a XXXX payment on XX/XX/19. Thereafter, XX/XX/19 and XX/XX/19, XX/XX/19 and XX/XX/19. Now I should be paid up through XXXX. I get my billing statement for XXXX and it says that XXXX is due on XX/XX/19. Ditech applied XXXX of the XX/XX/19 payment to XXXX to the principal and XXXX to escrow and held the XX/XX/19 payment in Funds in Suspense and the charged a late fee of XXXX on top of that. They denie that's what they did. Now I see another late fee applied to my XXXX payment after they received XXXX on XX/XX/19. Please correct this accounting nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate item on my credit report, and you did not respond. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. You advised in the past that you verified this information through XXXX XXXX and The Court House however that information was inaccurate. I provided verifiable proof that XXXX XXXX deleted this unverifiable bankruptcy on file and The Court House does not report public records to you. So that would mean this alleged bankruptcy is unverifiable and needs to be deleted from my credit report. Both of your sources do not have this information on file so that would mean you are lying to me when you stated in the past that this information has been verified as accurate. 

I need this problem fixed ASAP. I will not wait another 45-60 days to receive no response because clearly you are ignoring me. I demand this account be deleted immediately or I will file for litigation due to the overwhelming stress you have caused me. Section 611 ( a ), it plainly states that failure to investigate this item within 30 days gives a reason to immediate remove this item from my credit report. It has been over 40 days so this item should be deleted promptly. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-05-17
Company: CITIBANK, N.A.
State: NJ
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: Problem with personal statement of dispute

Complaint:
Regarding the CFPB case # XXXX ; The company Sears responded to the above case, but they did not solve the issue in a proper way. 

When I look at the documents sent by Sears, I saw 2 errors that a credit applicant ( me ) can not do. 

Sears First error : In their records, the name is seen as " XXXX XXXX XXXX ''. 
My name is " XXXX XXXX XXXX '', like a normal person I did not provide this information to Sears to open a credit card ( Even in the case they look at my ID card, they would see that my name is not XXXX XXXX XXXX ). I always use my name correctly when I apply for credit. This shows that the account is opened in an unresponsive manner. 

Second error : Company wrote that they sent all statements to my address when I mentioned that I never ever get any statement. According to their records, the credit card was opened at XX/XX/2017.  At that date, my residential address was " XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NJ ''. 
I never gave the address that Sears has in their records for a credit card. 

I have no idea how Sears opened a credit card with a false name and with a false address on my SSN. 

So, I had no information about the credit card, I never got their statements and because of unresponsible behavior of Sears, my  credit reports show 30 and 60 days late payment, my credit score drops. I suffer to get high APR for my Auto Loans and Mortgage payments. 

As a responsible credit user, I always paid all my loans on time in all my credit history. Sears ' unresponsible behavior created serious delinquency in my credit history.

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 2017-09-08
Company: EQUIFAX, INC.
State: OH
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:
Equifax mishandled my credit report with 209,000 other consumers in a massive data breach. I am now at risk for identity theft or tax fraud, according to equifaxsecurity2017.com, as are many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.

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 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo XXXX XXXX : XXXX FHA Case Number : XXXX Name on Account : XXXX XXXX Mortgage Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX The following two partial claims recorded on my mortgage has never been subtracted from the mortgage balance to reflect the funds Wells Fargo Home Mortgage received from Hud : Partial Claim - {$7000.00} - XX/XX/XXXX - Hurricane Rita Partial Claim - {$7000.00} XX/XX/XXXX - Hamp Program I am requesting your help to have my mortgage balance updated by Wells Fargo Home Mortgage to reflect the funds they received from Hud.

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