BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: VA
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:
Experian refuses to report accurate information. I have never paid my XXXX XXXX  account late EVER. I disputed this and nothing was done.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-06-08
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
JEFFERSON CAPITAL SYSTEMS is trying to collect {$1600.00} from me from a XXXX XXXX bill I never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-08-08
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My Loan was taken from a Credit Union and XXXX XXXX  XXXX XXXX in the XXXX 's and sold to XXXX XXXX. Eventually consolidated with XXXX XXXX XXXX. I received a call to fill out paperwork because I qualified for Loan Forgiveness.  When I explained the paperwork asked me to consolidate the loan to XXXX XXXX XXXX XXXX not forgive the loan. The explanation was the loan has to be consolidated back to the original Lender/Holder to be forgiven so I went ahead. I never heard anything further then my loan was in default. I brought it out of default and have been told I do not qualify for forgiveness. Now the loan is continually sold to services without my consent and every time I am contacted by a new servicer the loan amount increases by thousands of dollars. There is some sort of predatory fraud and scam being committed. The loan amounts I borrowed in school were around 15,000 and My has added interest from around {$30000.00} to not over 55,000 in the last 2 years. Something is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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:
I have incorrect information on my credit file as a result of identity theft : |XXXX| |COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} - XXXX XXXX - XXXX - XXXX - XX/XX/XXXX - {$3800.00} - XXXX. XXXX, XXXX - XXXX - XX/XX/XXXX - $ XXXX |INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX| |EQUIFAX| |COLLECTIONS : - XXXX XXXX - XXXX - XXXX - XX/XX/XXXX - $ XXXX |INQUIRIES : - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XXXX   XX/XX/XXXX XXXX XXXX |XXXX| |COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX - {$3800.00} INQUIRIES : - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Carrington Mortgage Services , LLC opened fraudulent mortgage loan using our property information and my identity information on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They did not report this loan to my credit history until XX/XX/XXXX. Recently when I found that this loan was opened by my stolen identity information in XX/XX/XXXXand not by any legal business process, I reported a complain to FTC. As a result, Carrington closed the loan for few days. Recently they again opened the loan account and sent me a foreclosure notice for non-payment on this loan. I have made it clear to Carrington Mortgage Service that unless and until they prove that this loan has been opened in XX/XX/XXXXlegally, I would not be paying them any money. Carrington did not provide me any proof of the legality of the loan. Moreover, they changed my property title by executing two forged mortgage deeds. 
Carrington issued two other fraudulent mortgage loan notes on our property. One was on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXand the other on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXX. They serviced the loan in XX/XX/XXXX, when they were not even servicer of our mortgage loan. The other loan they are currently servicing since XX/XX/XXXX. Both these loans have been documented in Mers and the forged deeds are also recorded in the XXXX XXXX of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: OneMain Finance Corporation
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
CFPB XXXX-XXXX was mistakenly closed as a duplicate compliant - this was NOT A DUPLICATE compliant as it contains new information regarding evidence of fraud that I did not have when the original compliant was filed. I had requested the evidence many times however, AMEX did not clearly communicate where I could find the information and delayed mailing it out until just a few weeks ago even though this dispute started back in XX/XX/2019. 

COMMUNICATION FROM CFPB XXXX-XXXX This is a follow-up compliant to CFPB Ref No : XXXX-XXXX. In there response, AMEX completely failed to address the issue of fraudulent charges as evidence by the fraudulent signatures shown in the documentation provided by the merchant. From day one of the compliant initially started on XX/XX/2019, I was very clear that I was at the location but did not make the charges. Any surveillance footage provided by the merchant does not prove anything. ID was provided to enter the merchant 's place of business. AMEX initial response documentation includes : evidence of one way mail correspondence by AMEX but failed to mention the multiple times I had called to complain I wasn't receiving the mail correspondence or the 5 times I re-disputed the claim but I 100 % disagree with the findings. Documentation also includes XXXX receipts showing fraudulent signatures as well as surveillance footage. Additionally note, on the XX/XX/XXXX call with AMEX I specifically requested that the associate mail any and all documentation/evidence that the company has on this case so that I may review it and not identify the inaccuracies. AMEX representative said this would happen - to date, I have not received any of the " evidence '' in the mail. Attached - + Original CFPB compliant + AMEX inadequate response + AMEX one way communications - this is what was provided in the original response by AMEX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Citi Bank have been horrible with their electronic systems to upload documents for verification. I applied on XX/XX/2019 for accelerate savings account. Got an email to upload my and wifes drivers license. XX/XX/XXXX we upload docs via their docusign system and received a confirmation about the same at noon. Got another email and yet another email and so other 7 emails asking to upload same docs. Despite uploading the docs 3 times, they still don't have it. After 2 weeks, I get a letter dated XX/XX/XXXX with a account number on it but no debit card. I tried to reach them via chat, their agent mentioned Citi dispatched them a week ago. After 3 weeks, still no debit card. I called them and their agent mentioned they are waiting on my license copy. How did they issue an account number if that was the case? Their agent lied to us about the dispatched debit card as well then. Now, after 3 weeks of hassle, we stil dont have debit card and all I want is to close the account and Citi tell me in writing how did they use my info and how will they delete it since I am no longer going to your customer.

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 2016-04-17
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I PAID THE BALANCE OF THE CONN 'S ACCT IN FULL ON XX/XX/2016- # 1 ACCT # XXXX PAID IN FULL - {$160.00} AND XXXX SETTLEMENT ON PAID IN FULL - {$470.00} - CONN 'S APPLIANCE IS A CONN, THEY CALL AND CALL AND OFFER A SETTLEMENT ON PAYING THE BAL AND WHEN YOU PAY THE FULL BAL ON THE ACCOUNT, THEY SEND TO 3RD PARTY COLLECTION AND NEVER UPDATE CREDIT FILE WITH BUREAU, CONN ARTIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The filing against me was placed on my XXXX  account. The collector is Assetcare LLC, the original creditor was XXXX XXXX. The Date shows XX/XX/XXXX. This is impossible. I did not live or have even visited Florida since early XXXX. I tried to dispute the charge though XXXX and they are doing nothing about it. This is either a very old debt that should not be on my report, or it is fraudulent activity ( Identity Theft ). Please review since the charge in place is impossible. I do have people that can attest that I have not been in Florida for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Colony Brands, 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:
Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I was wired a sum of {$3000.00} to be deposited into my personal checking account. The type of account that I have does not allow wire transfers to be made to it. Why? Im not sure, as that question failed to be answered over and over again. In any case, with the money not able to be deposited back into my account, I was instructed by the senders financial planner to request the receiving bank to send it back ( since it had possession of the money but no intention of disbursing it to me ). I attempted to execute that plan, but was instead met with our default policy is to eventually deny the wire, and that will be within 3-5 days. So, in essence, Chase bank ( the receiving bank ) has no intention of disbursing the funds that it had in its possession to the intended receiver of funds, but instead was making a decision to keep those funds and return them days later? After having received them with seconds of the wire transfer being initiated? It sounds to me like its stealing, if only for a few days, and its unconscionable that a mega bank like them is able to get away with this. {$3000.00} being sent to me was a lifeline, and I cant expect the sender to make arrangements to deposit another {$3000.00} into an account that Id be able to access the money, as that would be on top of the initial {$3000.00} and I wouldnt expect someone to be out {$6000.00} for a {$3000.00} payment. So Im out of a lifeline until Chase makes it right. Basically, Chase is receiving an interest free loan for a few days that they arent entitled to. If any person did that, there would be penalties, and it doesnt seem like there are for these monster corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed 4 complaints against Equifax asking them to provide me with the additional information they went on record on XXXX the XXXX and claimed they had that validated the debt between me and XXXX XXXX XXXX. The attached document ( Equifax XXXX ) is what they keep mailing to me in response to my complaints, There is nothing on that document that is different from the one I submitted in my complaints ( XXXX, XXXX, XXXX, XXXX ) that Equifax said they had the additional information on. Equifax keeps sending me the same identical information that they attached to my dispute resolution on XXXX the XXXX. ( See Equifax dispute 3 ). I want to see this additional information they claim to have. The information they keep mailing to me is not additional information from the original creditor that validated this debt. This is the same exact information that Equifax supplied me on XXXX the XXXX. This debt is not a valid debt and Equifax is lying when they say they have additional information that validates the debt. The SC Attorney General office Consumer Protection division has already opened a fraud investigation against XXXX XXXX XXXX for making up bogus s debts and supply them to the credit bureaus to scam people into paying these debts. I have a legal right to see this addition ( NOT THE SAME BUT ADDITIONAL ) information Equifax claims they have from the original creditor that validated this debt.Read the attached document I received in the mail from them today. This is not additional information that validates this debt. In the part of the document that says additional information there is nothing there. I want to see this additional information. Stop sending me the identical information you sent attached to my dispute resolution on XXXX the second. The information they keep XXXX So far the CFPB once again has taken no action against Equifax even though Equifax is denying me my rights by not showing me this alleged addition information they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened Sep. XXXX, XXXX Balance {$600.00} DEPT OF ED/NELNET XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Waypoint Resource Group, LLC
State: UT
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:
Waypoint Resource Group is reporting a debt on my credit file that is not mine. I have asked multiple times for validation of this debt and have received nothing. They are reporting a debt for XXXX and I have never had XXXX!!! This needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX of this year, I received a promotional email from Citibank that advertised a bonus of {$400.00} if I open a new saving account and fund the account with {$100000.00}. I opened the saving account online following the promotion and funded the required amount, patiently waiting for the bonus to show up. 
Reading the fine prints in details, I waited for a few months and never saw the bonus. I then contacted Citibank. The response after their investigation was that the Promotion Code XXXX was not targeted to my account, unless I can provide evidence. Funny thing that I never even mentioned that was the promotion code I signed up with. 
Luckily, I have at least XXXX emails from Citibank that shows this Promotion Code XXXX was indeed targeted to my account. The promotional emails have my name, my checking account number ( ending XXXX ), and all the fine prints and promotion code clearly spelled out. Then I went through a month of XXXX trying to provide this evidence to Citibank. I've spoke to 3 supervisors and countless representatives. I have emailed them the evidence 3 times, faxed 1 time, and even had my local Citibank representative to manually upload the evidence emails to the case. Four cases were opened for this investigation, and all 4 cases resulted the same resolution - Promotion Code XXXX not targeted to my account. I patiently tried again and again to provide the evidence and at my last encounter with a supervisor, she was finally able to locate my emails and promised to attach my emails to the case, yet the case still resulted the same resolution without ever mentioning my evidences. I'm truly disappointed in how unethical Citibank tricked its customers to sign up for a promotion that was set up to be a trap. I'm writing to demand my {$400.00} bonus. Please see my attached promotional email from Citibank in XXXX, XXXX, and XXXX, each indicated that this promotion was targeted to my account, with my name, checking account number, and the promotion code in clear text. I'm also including 2 of the 4 cases resolution letters from Citibank ( Dispute case # XXXX and XXXX ).

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