BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
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: Their investigation did not fix an error on your report

Complaint:
Equifax is still reporting incorrect information. I have disputed this account several times. 
The account in question has been deleted from XXXX and XXXX. These deletions happened in XX/XX/2019. As a consumer, I honestly do not think Equifax is looking into the disputes, they are just marking the account as verified. This account has been closed more than 7 years. It is having a negative impact on my credit file. 

When I tried to verify this account mail came back undeliverable. The address for the company was updated and it was marked as verified. Since then, they have not actually looked at dispute. They are just marking it as verified. I also never received debt validation from XXXX XXXX because the address for XXXX XXXX was incorrect on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint ( # 2 ), follows my original CFPB Case filing # XXXX-XXXX.

Citi Bank continues to show a blatant disregard in adhering to the lowest level of customer service, common business practices and honoring the credit card contract. 
My original contact with Citi was " simply '' a request to reissue a new card with a new account number as my account was compromised through no fault of my own. 
A replacement card was issued, with the " same '' account number, a different expiration date and CVV #. Contacting the activation number Citi refused to activate the replacement card they just issued citing their inability to verify my identity!?

At that time it was promised a letter would be sent in 7-10 days with a confirmation code. At about the two week mark, NO letter had arrived. After filing the above CFPB complaint, the letter in question finally arrived with another 10 days passing. 
The newly minted activation letter code was denied by Citi. 

A subsequent replacement card arrived with a brand new account number, expiration date and CVV #. The Citi activation telephone number attached to the card was contacted and activation was once again refused, citing the need for another letter with another activation code by mail, allowing replacement card # 2 to be verified. Once again by day 12, no letter and history repeats. Citi 's disingenuous statements and abject systemic failure to resolve a bureaucratic mess of their own making, has resulted with Citi not granting me access to my account ( locked out ) with a never ceasing cascade of phone calls demanding payment on an account that I am denied access or information from! 

I would be happy to furnish all contacts made by me and the demeaning calls by Citi, with dates and times.

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 2018-12-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed the information that OneMain reported on my credit report. I sent a certified letter that they signed for on XX/XX/2018 requesting validation of the debt. After 30 days, I didn't receive a response. So, I sent a follow up certified letter on XX/XX/XXXX, signed for by them on XX/XX/2018. I still have not received a response from them but they updated my credit report. They changed my payment history and added in the remarks section " consumer disputes ''. They missed the 30 day timer allotted to them per the FCRA & FDCPA. They had 30 days to respond and it wasn't until after I sent a follow up letter that they made any adjustments to my credit report and they never sent me any communications. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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 applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.

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 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to the collection agency around XX/XX/2018 to validate this debt and to date I have not received any information confirming this is a valid date. Also per insurance records there werent any claims submitted from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
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 been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX Acct # XXXX 2 ) XXXX   Acct # XXXX  3 ) XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was overdrawn several times due to the bank not having my accurate amount in my account. When money was deposited into my account they was taking it out without my permission.

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 2021-08-14
Company: Experian Information Solutions Inc.
State: WA
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:
A charge by " XXXXXXXX XXXX '' was made against my debit card and the bank correctly declined the transaction at that time. I did not make that transaction and have never had business with that merchant. They then apparently sold the fraudulent debt to a debt collection agency ( XXXX XXXX ) with filed a credit report against me. I have tried multiple times ( XX/XX/2021 and XX/XX/2021 ) to get Experian to remove the invalid record in my credit report, but they have not made any changes. I want them to remove the invalid report as they have no evidence to back up their claim.

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 2021-08-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently disputed the accuracy of the late payments on this account with no response within 30 days. According to Section 623 of the Fair Credit Reporting Act, it is my right to dispute with the creditor the accuracy of this account. It is also the duty of the creditor to provide accurate records pertaining to the debt or remove the negative information if they can not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.

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 2020-05-12
Company: EQUIFAX, INC.
State: MO
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:
The information on my Equifax credit report hasnt been updated since XX/XX/2020, its XX/XX/2020. Despite the facts that my creditors have updated the information for my accounts and XXXX, XXXX both update information monthly, Equifax is updating my credit score based off this old information and it has caused my FICO score to drop significantly causing serious financial harm. For example, I have credit card balances that still show amounts from XX/XX/2020 despite the fact they are lower in XX/XX/2020. I have called numerous times, Sent letters, and verified my identity all to no avail. This matter has caused my great distress and my next step will be looking into a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've defaulted and the company Pennsylvania Higher Education Assistance Agency has charged me 18 % in additional interest on my loan for defaulting. My loan amount has actually doubled. Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive Contacted TransUnion Via Phone and by mail letting them know that there is a spelling of my name that is incorrect and also hard inquiries that do not belong to me. They alway respond stating they can not located my credit file and to send in additional documents to verify my identity. Listed below is the name and hard inquiries that don't belong to me. XXXX  had no issue removing and verifying that this name and hard inquiries do not belong to me why is it that Trans Union is having such a hard Time to report only correct information and information I give them premission to share : Name XXXX XXXX Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let Tran Union know I don't need them to response ask me about anything other these hard inquiries and name from being remove that I did not authorize. 


Also XXXX  is still reporting addresses and hard inquires that are not mines.They continue to do the same things say they can not locate my credit file or they update information that I've never used or authorize. 

Addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2018-12-09
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for an Aspire credit card with a {$500.00} limit. Im trying to rebuild my credit and basically just got the card to use in emergency and increase my available credit. I paid {$99.00} annual fee the day I got the card. Card has a XXXX  balance. I attempted to use the card today for the first time at instacart to order groceries. Card was declined several times. I completed purchase with my XXXX  XXXX card and called customer service. I was told their system deemed instacart as unsafe and will not allow the purchase. I said so if im out and have car trouble and you don't like where im using the card for help I have to worry the card will be declined. She replied yes thats correct. I emailed them to cancel my account and I want the {$99.00} fee refunded. I havent even had the card 1 month. This company is predatory and uses people trying to build credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up with American Express for a Gold Credit card. I was told that a welcome bonus on XXXX will be given with the card after spending {$2000.00} in the first two months. It's been more than a month and I have already spent close to {$3000.00}. I received the Points as promised but I am not able to use the points. They say there is a hold on spending the points for 6 months without giving a clear reason for the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
as of XX/XX/2018 XXXX XXXX/equifax is reporting a collection account with XXXX XXXX for {$680.00}, I asked XXXX XXXX to remove this account, because I do not owe this company and never did, XXXX XXXX stated that it can not be removed, only equifax can do that, XXXX XXXX reports what ever equifax report to XXXX XXXX, no questions is it correct or not, what makes this realy wrong equifax will not take a dispute about XXXX XXXX, the last complaint I made a person with the name XXXX complaint # XXXX about the collection.this same account has been in and out of my credit report with equifax only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2018-04-23
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi Dear CFBP Team, My name is XXXX XXXX. Recently I got affected due to the natural disaster in Florida and you help me getting a plan with Ocwen to pay the amount of {$1900.00} for a period of 6 months ( XX/XX/XXXX XX/XX/XXXX ). I recently sent a payment and Ocwen voided. So I called Ocwen today XX/XX/XXXX ( XXXX / agent XXXX ) and they said that because I was 48 days behind they proceed to cancel the plan and now they are requesting me to pay the 6 months all at once. I asked them why they did not informed me any of this and they said that the plan closed automatically and that they do not inform about this. So, I asked them to reopen the plan they said they can not and that I have to pay 6 regular months to put my house up to date. 
Obviously they are aware of my situation and there is no intention to help me. It is true I was behind few days but I sent the payment and they rejected. 
I really appreciate your help to this matter. 
Kind regards, XXXX XXXX Ocwen Acct # 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