BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Each complaint I make is resolved and other errors appear XXXX  said it completed its investigation of my complaint of XXXX XXXX XXXX XXXX account it said it did not have complete information I gave them a three-paragraph statement along with dates names and full information the Creditor isre reporting for example no payment received in XXXX or XXXX yet they take it directly from my bank account on auto pay I have advised the credit bureau of this they still reported that way I can prove it it comes out of my bank account automatically between the XXXX - XXXX of the month until paid in full 2017 the next payment will come out in XXXX 2017 the prior payments were XXXX between XXXX XXXX and XXXX and XXXX XXXX and XXXX both in 2017 they also report me as {$7.00} past due I am not past you they themselves take it from my account per our agreement my high credit limit is incorrect they do not report the {$300.00} original credit limit and the {$61.00} original purchase from XXXX XXXX XXXX XXXX they report credit limit of XXXX and a balance of XXXX this is incorrect the high balance ever was {$61.00} principal for jeans I purchased the remaining amount is fees and interest that I pay monthly from my bank account per oral agreement which was recorded by them I gave them XXXX XXXX XXXX XXXX account my routing and bank account number they take {$20.00} per month every month the balance is {$100.00} as of today 's date XXXX XXXX their last reporting was XXXX XXXX of incorrect information last payment received in XXXX not true it comes directly from my bank account they receive payments in XXXX and XXXX both in 2017 how does XXXX  see this as incomplete information? I am also not in right off as XXXX XXXX claims with XXXX XXXX because they take their money directly from me XXXX XXXX the original creditor they have been doing so since XXXX 2017 they made payment arrangements that were recorded by them with me XXXX XXXX 2017 they accepted {$61.00} for principal owed and agreed to waive the equal amount of {$61.00} in late fees and interest which they did it 's on my statement and their statement and then they agree to take my bank account number to automatically withdraw XXXX per month until interest and fees were paid off which they are doing yet XXXX days later they report me as a write off as they continue to take money from me this is XXXX XXXX  has not investigated this properly at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: UT
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:
I have been trying for 2 days to obtain my credit report from Equifax. Unable to obtain it online as every browser I use gives me the same response. " Site can't be reached '' or " can't find the server ''. No problem getting my report from XXXX or XXXX. Accessed online chat with Equifax and explained my problem. Advised I had to call their customer service number. Gave some stranger in a foreign call center all my secure information only to be told I had to make a copy of my ss card and drivers license along with a cover sheet and fax it in to get my report. No one I can speak to regarding the functionality of their website and no other options given. It should not be so hard to get my report. Checked online forums and it seems that this is a pattern with Equifax making it difficult for people to access their reports. This situation needs to be looked into asap. Extremely unfair to the consumer not to mention the security risk in giving some stranger overseas all your secure information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have call homebridge consumer service, haven't heard from XXXX XXXX branch manager, they give a number XXXX XXXX XXXX, XXXX XXXX officer refuse a appraisal refund, I feel loan officer Mr XXXX XXXX misrepresented my options by telling me loan was approved, requesting a fee or appraisal which homebridge cashed that declined the loan the loan should have been reviewed and declined before the appraisal was ordered I do not recall signing an intent to proceed disclosure, this is required before an appraisal can be ordered and charged to the consumer "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: NC
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:
this message is for XXXX and Equifax concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX XXXX calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: PA
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:
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: GA
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:
I have two loans with New York state higher education services. The total amount of the loan is XXXX. Ive tried contacting them ( thur mail and over the phone ) about rehab option but they always told me that my loans where in collections and nothing can be done but pay the debt in full. I've been homeless for the past 5 years have proven letters to prove it. My only income is {$260.00} XXXX and {$1100.00} dollars a month for XXXX XXXX XXXX XXXX. I would like to know any realistic options to resolve the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: WELLS FARGO & COMPANY
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/2018 I took my cat to my old vet. My cat was misdiagnosed and put on wrong medicine. {$96.00}. On XX/XX/2018 I took my cat back to my old vet because my cat was very sick. {$48.00}. When I saw that my cat was not getting better, I took my cat to a new vet. My new vet correctly diagnose my cat and put him on correct medicine. It is my opinion that my old vet should not be paid. I initiated a dispute with Wells Fargo. Claim number one XXXX. On XX/XX/2018 at XXXX XXXX, Wells Fargo called me and told me that I lost my dispute because I signed the two sales receipts thus accepting the terms of both sales. I adamantly disagree with the Wells Fargo dispute representative because at the time I signed both sales receipts, I didn't know that my old vet misdiagnosed my cat and gave my cat wrong medicine. When I asked the Wells Fargo dispute representative if I have any appeal rights, the Wells Fargo dispute representative scoffed at me. After I was scoffed at I askd to speak to a supervisor. The supervisor told me to re send all of my dispute documents via email and Wells Fargo will take a second look at my dispute but that the two charges will remain on my account. It is my opinion that Wells Fargo did not do enough to protect my Visa rights. It is my opinion that Wells Fargo just wants to vacate my dispute doing as little work as possible. Nice right? While they charge double digit interest! I am forwarding this complaint to the cfpb for further 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 2018-11-07
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX XXXX ON IS REPORTING ACCOUNT ERRONEOUSLY I HAVE SPENT XXXX SO FAR TRYING TO GET THIS OFF MY REPORTS

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 2019-04-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had an account with Georgia XXXX XXXX that was open for 1 month for a rental home I sold. They never sent me a bill for that month and then sent me to collections. The collections company, XXXX XXXX XXXX, claimed they tried to reach me. However, they would call and ask me my name and SSN without telling me who they are and I thought they were a scam. When we finally figured it out we paid immediately. However we never received ANY written notice and GA XXXX XXXX claims they sent us one bill. The collections agency, who never properly identified themselves reported this to company. I would like to see how to resolve this as neither the collections or Georgia XXXX XXXX were helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: PA
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:
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
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 am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XX/XX/XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law.

Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX XXXX. AC # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information.

Attached herewith 1. My dispute i sent to this company on XX/XX/XXXX 2. My police
report 3. my FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: CITIBANK, N.A.
State: CO
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 always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

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 2021-11-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. XXXX is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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: Old information reappears or never goes away

Complaint:
In XXXX of XXXX I settled with Rash & Curtis for a XXXX bill of {$330.00}. 
Based on this agreement, they advised that it will settle my debt for less than the amount owed and that a letter will be sent to me and once my final payment processed and assured that the tradeline will be deleted from all 3 credit bureaus. As of today, I have not received a letter advising that the debt was settled and my account is still showing under collection. Since XX/XX/XXXX I have been sending the bureaus 2 letters a month on the XXXX and XXXX and have reached out to the Rash Curtis & Associates and they are both unresponsive. Per CFPB guidelines they have to respond to every notice within 30 days and they have both failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Outside ATM took my cash deposit and shut down and did not credit my cash deposit to the account, which is making me late for paying a very important bill on time!!! The Bank ( Citibank ) will not give me a provisional credit to pay my BILL?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Nelson & Kennard have failed to follow proper protocol even after advised of mistakes and irresponsible handaling of legal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: BMW Financial Services NA, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit report was accessed with no autherization from me and the company will not delete the inquiry although i have not requested any forms of line of credit from them. I called customer service on XX/XX/XXXXand requested that the inquires be removed from my report and was told no and that the company was not obligated to provide any proof of credit line request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I'm in the process of withdrawing my pension funds.I 'm a former Citibank employee my date of separation was XX/XX/XXXX. 

I've had conversations with the benefits department from XX/XX/XXXX up until today XX/XX/XXXX.I was continually told that I would not be able to have the funds until XX/XX/XXXX at the earliest. 
Each time I explained to the representative that this is a financial hardship and that I need the funds as soon as possible. I also asked numerous times from XXXX the representative I spoke to today XX/XX/XXXX why does it take 30 days? XXXX responded by saying it takes that long to process and again I said to her I know it does not take that long. Once it's reviewed it can be submitted for payment, still no answer, just that's how long it takes as per XXXX in the benefits department. 

I'm at a point where I need whatever help you can give me to get these funds transferred. I returned my pension kit this afternoon at XXXX Arizona time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notified TD bank in XX/XX/XXXX or XX/XX/XXXX that the account that was showing in collections on my credit report was n't mine. They did an ach withdrawal from my XXXX XXXX XXXX checking account in XX/XX/XXXX and I had to close the account for fraud. They took information for me. I thought this was corrected but apparently not. I opened a XXXX letter this morning at XXXX XXXX and saw this same account. Along with an address that I have never lived at. I called 2 times this morning. XXXX transferred me to recovery to which the lady hung up on me and I asked for a manager several times. I called and got XXXX who I told right away that I wanted a manager and she proceed to try and blow me off and then finally says wow and put the phone on hold because she thought I was going to hang up. I explained the situation to XXXX who said that she would get a manager in the correct department which she did n't. I got XXXX and asked if she was a manger and she said no and refused several times to give me a manager and she hung up as well. Both the recovery lady and XXXX  were made aware that I was going to file a complaint on TD bank with the cpfb. If they told me they had everything they needed years ago why is this issue still not resolved?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
Just recieved an attached letter from chase, I do not know what does this means..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: AES/PHEAA
State: NJ
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:
I received a delinquency notice FOR THE THIRD TIME IN THE MATTER OF ONE MONTH on a student loan account THAT DOES NOT EXIST WITH XXXX XXXX. This is HARASSMENT. They are providing inaccurate information. i have called them to STOP HARASSING ME AND THEY HAVE NOT HONORED MY COMPLAINT. I AM ON AUTO-PAY FOR EVERY SINGLE ONE OF MY STUDENT LOANS AND AM NOT DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: U.S. BANCORP
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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