BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: TX
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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regard to late payments on my credit report, concluding to being put on collections in XX/XX/2016 for my XXXX account XXXX, who was then transferred to Receivables Performance Management ( RPM ), the account number is XXXX. 

The amount was for {$1500.00}. This was paid in full within a few days of the collection agency contacting me promising they would get rid of the mark on my credit report. I never even received a payment confirmation and the derogatory mark is still in my 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 2020-07-22
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, on XX/XX/XXXX I received an MyFICO alert informing me a collections was added to my account. I immediately logged in to check. Its a collection thats being reported from AFNI for XXXX. Ive NEVER held an account with XXXX. I contacted XXXX  and they opened a dispute for me. I ALSO contacted AFNI asking what this collection was about and they couldnt answer me. I asked if they could provide me with a BILL and/or signed contract and the woman told me she couldnt locate one. If you cant locate a a signed contract, then what exactly are you holding me XXXX for? AFNI reported a {$200.00} collection a couple years ago, and I had it removed. So NOW, theyve added a NEW collection account and added {$200.00} to it. Thats unacceptable. Ive heard many stories about AFNI being reported in XXXX practices but this takes the cake. Theyve only reported it to ONE bureau, which is one of the major reasons I know this isnt accurate. Please assist me with ridding myself of the harassment and horrible collection practices of AFNI. This HAS to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had made two transfers of XXXX $ and XXXX $ Through XXXX and XXXX  using my checking and savings accounts on XXXX XXXX to put a security deposit on a single family home. It turned out to be a scam and I called Wells Fargo XX/XX/2021 as soon as I realized. I filed two claims for these two charges and was told that would be refunded. When I just called XX/XX/2021 to get an update on my claims, I was told they were not going to refund that money. I was on the phone with Wells Fargo for an hour being transferred every 5 minutes with not one person being able to come to a resolution. I also filed a police report to report the scam with my local authorities on XX/XX/XXXX. I also do have the case number if needed. This report also had an identity theft scam as well. In regards to the home that was being listed was also a homeowners legitimate home and the scammer was using his property and full name to " rent '' me the property.

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 2018-07-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a served notice stating that I was taken to court ( without notice in XX/XX/2018 ). Which I found to be false when I called the city court of XXXX. They stated they ( XXXX ) just filed something but it wasn't complete in XXXX. I called XXXX I was going to try to work something out, although this is not my debt. My information was taken by someone that was a visitor in my home. I explained to XXXX that I have no money I am on a fixed income with the federal aid. I can not afford to pay this debt that I didn't create. The letter I was served with is not correct and I think or feel I should not have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Their investigation did not fix an error on your report

Complaint:
I was never late on these accounts. I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX BANK  XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$450.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX BANK XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Please update.

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 2021-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.

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 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XXXX XXXX ; XXXX XXXX {$6600.00} XXXX XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXXXXXX XXXX XXXX/XXXX  in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office CHI in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX XXXX opened in XXXX that also break the SOL.

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 2021-02-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a deposit a year ago XX/XX/XXXX. They waited a year XX/XX/XXXX to take the {$600.00} I deposited a year ago out that I deposited. I have the deposit slip bank XXXX. XXXX XXXX. Transaction XXXX XXXXXXXX XXXX. Submitted for deposit. XXXX XXXXXXXX XXXX XXXX location in XXXX XXXX MI XXXX # XXXX. Citizens Bank. # XXXX XXXX XXXX citizens bank.com/online-banking No phone call or letter in mail or text or e mail. They said teller was over on her drawer on XX/XX/XXXX and just deducted the {$600.00} from my checking account # XXXX. Citizen bank XXXX. Please investigate this matter. I feel they had no justification to take out {$600.00} from my account with no evidence just based on the tellers mistake. And this is one year later. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: AES/PHEAA
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:
XXXX is the previous complaint that was closed. The attachments are included with that complaint. 

XXXX added almost $ XXXX in interest to my account even though I turned in my application on time. They state the application was incomplete, however refuse to point out on the instruction sheet where I did not follow directions. I was in constant contact with them because they told me a different thing every time I spoke to them. I continued to follow their verbal directions. They eventually told me to resubmit the entire application. I did and then they told me it was too late and added XXXX to my loan. 

I filed the complaint with cfpb. They emailed me and stated they should have used the previous years income before counting it as late and took off the interest they had previously added. cfpb closed the case. XXXX then added the interest right back onto my account once the case was closed with cfpb. I emailed them again, and they sent me emailed and voicemails stating they are allowed to do this and literally restarted the entire issue. Every time I try to call, they act as if they have no clue about the entire case. They are continuously trying to ruin my credit. My XXXX in loans is now up to XXXX, which I will never be able to pay because they illegally added interest. They stated again I did not have the application in on time. Which I did. They stated it was incomplete and keep telling me reasons, but none of these reasons are actually on the directions sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I had a capital one credit card for $ XXXX that was used that I didn't know of. I noticed this debt and assumed it was mine because it was on my credit report. I sent capital one a email. After speaking with a number of financial advisors it was determined that I had been a victim of identity theft. I made a police report and placed fraud alerts on reports and have them locked. In XX/XX/XXXX Capital one took me to court in regards to this debt and it was DISMISSED. I have disputed this with the credit XXXX and Capital one refuses to remove this DISMISSED case from my report. There are telling me that this debt is mine. I have spoke with a lawyer in regards to this and what they are doing is illegal. This has been determined that this is NOT my debt and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: CITIBANK, N.A.
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:
I disagree with citibanks decision to decide the Case ID : XXXX in merchants favor and will further seek help regarding this case. The items I received is totally different then what was originally ordered. I made 3 documented attempts to contact merchants customer service and they never responded how to return it or how to proceed with further action so I had to file a dispute with citi bank and they decided it on merchants favor without investigating what was wrong with merchnadises I want to come to fair resolution in this case

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2021-03-30
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:
I see a lot of things on my credit report that should not be there and do not know where they came from and I need a clear

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 2018-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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/XXXX XXXX XXXX on behalf of Capital One responded to the CFPB request to look further with this dispute. In this signed letter by XXXX for which i will reattached XXXX states " please note, that we will not share your creditworthiness information with any affiliated or non-affiliated organization with Capitalone '' ( However Capital One is still sharing with the Credit Bureaus ( XXXX, XXXX, XXXX   ). I've called and spoke with XXXX from disputes and faxed this letter to her/department on XX/XX/XXXX still haven't heard anything back. Today I spoke with XXXX ( disputes department ) she stated they did updated today XX/XX/XXXX and that its reporting correctly but they didn't address the letter I faxed and that she was going to resend info to their credit department but I couldn't speak to them. 

Can the CFPB take steps an assurance to hold Capital One accountable to what XXXX XXXX promised me in this signed letter and not share this information regarding my credit worthiness with the credit bureaus as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I would like a copy of my contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 I sent a certified letter to Experian disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that Experian VALIDATE that said information was mine. I advised Experian that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet Experian still claims the BK Court has CERTIFIED the information is accurate. XXXX XXXX XXXX XXXX has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.

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 2018-07-20
Company: Quality Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in an apartment in NJ and the thermostat was not working properly. We requested on several occasions for someone to fix because our electric bill was running around {$800.00} due to the ancient equipment. They refused to do any type of maintenance which would have been covered under the lease so we had no choice but to give a written 45 days notice. We knew they were going to keep our security deposit. Some time later we received a statement indicating we owed money for things that were needing fixed that were not true. We do not owe anything to this company and I have been disputing this for some time now.

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 2018-07-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband was unexpectedly hospitalized and unable to work and we fell behind on our mortgage payments. Just 1 ( one ) month behind. I contacted PennyMac to say we were just a little behind and trying to get caught up and their representative XXXX told me about loan modification. He said we'd be able to miss up to 6 payments to get caught up and the length/term of our loan would be extended accordingly. We filled out all the necessary paperwork and waited - this week we found out we are approved for a modification. PennyMac 's terms, however, are very different than were described to us in the beginning. Yes, we'd be allowed to miss 2 ( two ) payments, however the length of our loan would not be extended. Instead, when our payments resume in XXXX, our monthly payment would be {$90.00} more per month *for the duration of our loan* AND they'd raise the interest rate on our loan as well. If we agree to this, we'd be agreeing to increase what we pay to PennyMac over $ XXXX over the life of our loan. This is clearly fraud - a bait and switch. We were offered a reprieve to catch up on bills and instead now being shown terms that can only be described as predatory. We owe way less on our home than it's worth - this is obviously just a tactic used by PennyMac to force people into foreclosure for PennyMac 's financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX 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 explanation