BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: PA
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:
My XXXX Bank Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: AES/PHEAA
State: IL
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:
XX/XX/2018- XX/XX/2018 my student loans were in forbearance/grace during this period and late payments should not be on my credit report. ( Started school again that XXXX ) Some late payment statuses have been removed but not all. All loans during this time frame are from the same school year/loan period but are broken down to smaller increments. It's taking too long to remove these statuses and it's negatively affecting my credit. 

I've attached an example of were they already corrected some of the loan accounts. 
the same should be done with rest

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: IL
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:
Equifax has refused to respond to my disputes because I used a free dispute letter from the internet and Information on how to submit it for free and have it track both ways. I have done nothing to violate any regulations. I provided Equifax with all the required information to identify me. Equifax claims my disputes look like others from a " credit repair company '' but fail to acknowledge that they have responded to the vast majority of those disputes regardless. Why am I being singled out? The Fair Credit Reporting Act requires that I be treated fairly. Equifax has already not treated me like others who used the same process. Additionally, the delays are more than the 30-days laid out in the FCRA. Please immediately process my disputes and send me the results ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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 have noticed many incorrect and unauthorized items appeared 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 2020-07-15
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt that has been bought by Credit Systems Inc . The total was XXXX. Plus and interest rate of 13.99 % per annum. Which on my original contract states the interest is {$32.00}. 

I thought my garnishment was going to be over a month ago. But I keep getting charged. From XX/XX/20 to XX/XX/20 I have been charged {$18000.00}. I've contacted the creditors and been told that this additional debt has been the interest rate. But according to my original contract this is much more than I was originally told I would have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Self Financial Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a Self credit card. Well over a month ago, I asked them to close out the card. The card is a credit builder, where you put money into the card. There is a {$400.00} amount on my card that is supposed to be refunded to me. I have been trying to get the {$400.00} for over a month and the company keeps stalling. The {$400.00} is due to me. They need to refund it to me. 

'Self ' credit card is shady and has NOT refunded my {$400.00}. This needs to be rectified. I paid the amount onto the card in good faith. They are stalling and not paying the {$400.00} I have coming. 

Warning : I would advise against this card. They do NOT practice what they preach. If they do not refund my money I am going to continue with a LAWSUIT which will include all of the time I have spent trying to get my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM VICTOM OF AN IDENTITY THEFT AN THE THE FOLLOWING ACCOUNT HAS BEEN OPENED WITHOUT MY CONSENT OR MY KNOWLEDGE, SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. 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 2021-10-23
Company: EQUIFAX, INC.
State: AL
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 reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They close my account and never send me the check

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 2020-07-15
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to Refinance through XXXX XXXX, my current loan company XXXX, Loan Care at Phone Customer Service:XXXX Will not answer and hangs up on you after 1 min 20 seconds, you call back and like they say later in the week and they do not answer. We have been trying to get a payoff amount so we can close on the new loan for 3 weeks and they will not respond with the information. They need to have their license revoked and they need to be shut down. This kind of negligence in a financial institution is un-nerving. If they dont provide loan payoff information in a timely manner can a person take legal action?

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 2020-07-15
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Was with OCWEN NOW PHH. 
My town added a one time betterment charge of {$1400.00} to XX/XX/2019 tax bill. 
PHH raised my escrow from {$480.00} to {$880.00} per month. I paid until {$1400.00} was repaid and went back to original amount. 
PHH PUTS ME ON HOLD AND THEN HANGS UP OVER AND OVER. 
Act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX have 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 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 2017-12-15
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:
Citibank would not accept a cash deposit of {$1000.00} on XXXX XXXX, 2017 to my sisters account in spite of my having her deposit slip with her account. She has been hospitalized the last 4 months. I was advised they do not accept cash deposit if depositor does not have an account with the bank. I was told to get a money order to accomplish the deposit.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$1300.00}

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 2021-01-31
Company: EQUIFAX, INC.
State: AZ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
You people are XXXX sick you have nothing better to do than ruin peoples lives and steal identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: AL
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and there are also like four accounts on Equifax that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: SYNCHRONY FINANCIAL
State: HI
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:
I just received a statement for the first time, in the mail, from Synchrony Bank or PayPal Credit that claims I owe over {$1700.00} on a credit card that I never opened with them. When I called to inquire, they claimed I opened the account in XXXX but that is not true. In the statement I received on XX/XX/XXXX there are cash advances for around {$100.00} every few days of the last months. They look like they are going to someone in another state. I would like Synchrony Bank to be investigated for improper activation of an account and lack of proper credit monitoring services for fraud detection. I have now been forced to sign up for a credit monitoring service which Synchrony Bank should pay for Additionally, I have changed passwords on many accounts and closed my regular Paypal online billing account. I never signed up for PayPal Credit and they should be investigated for lack of credit, identity and consumer controls. My credit will suffer because of Synchrony Banks profit motive over customer protection values.

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 2023-06-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regions Bank website says they will assist victims of Covid-19 With " Bank Fee Waivers '' Regions Bank does not assist with Covid-19 Victims. I was charged two {$72.00} FEES EACH. Again in my Deposit agreement it says for standard overdraft it's only {$36.00} However Regions is Charging well over that by charging {$72.00} per item. I did call regions for assistance explaining that I am victim of the corona virus and that these fees for {$60.00} in transactions has now put the balance at XXXX I am not paying XXXX Dollars in Fees. The Account is opted out of overdraft. I tried reaching a manager because regions lies online to their customers on their own website. Regions.com explaining that they will assist with Bank Fee Waivers and they do not. The Manager told me they assisted me on the XX/XX/XXXX for a Different fee and they will not be assisting me with anymore fee 's even though my account is opted out of Overdraft to  begin with and they are charging a fee greater than what is legally allowed by the FDIC. Regions never assisted me with payment assistance neither, Regions continues to lie on their own website and does not care about their customers. There Managers are HORRIBLE at customer service, the lady was screaming on the phone, she wouldn't escalate it to the Executive office and told me she doesn't care about customers of the bank.

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 2020-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I mailed a format letter to Experian requesting that they PROVIDE me with all relevant information validating debt on the XXXX/XXXX Account # XXXX being reported on my account. As of XX/XX/2020 I had not received the requested documentation validating the debt so I mailed another format letter out requesting this information. As of today XX/XX/2020, I submitted a dispute with CFPB regarding Experian and a case was opened. 
On XX/XX/2020 Experian responded to CFPB claiming I am not who I say I am therefore the case is closed. I demand that Experian delete this XXXX   account from my credit report immediately due to ILLEGAL STALL TACTICS!

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 2020-11-08
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i received a response from fay servciing want to comment and then add new items. I have no entitlement. but i know there are legal criteria to do property inspections that a bank has to meet before they can just do them. that was not done in my case. i received no communication in fact in XXXX i sent a certified letter fay received stating that i am in the home there is and will be no need to do inspections. I will dispute any and all fees. 
Next, I have asked especially now during the pandemic where there should be and will be laws to protect me from this, i asked for more time to submit 1099 income to complete my review. I am told they may file for foreclosure on XXXX consistent with their right possibly even during these times but certainly not consistent with reasonableness and truly wanting to : help : '' I ask you NOT to assess fees, or file foreclosure on XXXX but otherwise to wait until XXXX at which time i can show another XXXX of income. I will fight any and all fees. lawyers etc. How can this happen during a pendemic where people are XXXX and poeple are jobless? How can i be held to pay all arrears now? why is there no deferment option? i am writing to Governor today as well. Please do not file now. PLEASE. wait til i can submit more income.

Company response to consumer: Closed with explanation