BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: Central Portfolio Control 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: Old information reappears or never goes away

Complaint:
Request via " Contact Us '' page and letter was sent to the attention of XXXX XXXX informing Central Portfolio Control they were attempting to collect on a debt I did not own, validate the debt, and cease collections immediately. My request was on XX/XX/XXXX by letter was in response to reference letter XXXX dated for XX/XX/XXXX. It was also sent on the " Contact Us '' page on XX/XX/XXXX and screenshotted. They did not respond to either by phone or writing and instead reported this account to creditors, and backed the opening date of XX/XX/XXXX. They are in violation of HIPPA and have failed to follow-through with Fair Credit Reporting. I have screenshots of the letter and " Contact Us '' page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-10-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged {$450.00} by XXXX XXXX. This account has been paid off. I contacted XXXX XXXX  4 to 5 times to send me a description of the debt in writing and they have failed to do so. This is still on my XXXX credit report and I would like it removed.

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 2020-10-26
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a loan modification in XXXX of XXXX due to the pandemic. This was supposed to last for 3 months. We received paperwork at the end of XXXX to sign and notarize to agree to the modification. My wife 's maiden name was on this paperwork. We have no idea why since every piece of mail we had ever gotten from them had her married name on it. 

We called about 10 times over the next 2 months to get this updated. Everyone gave a standard response of they are working on it - they in fact were not. On XX/XX/XXXX we were told they finally put in the request to update the paperwork and would send us new documents. 

We received documents ( after multiple attempts to contact ) on XX/XX/XXXX with a due date of XXXX. Every time we call the manager, XXXX XXXX, he does not call us back. I have been given 3 different peoples emails at this point, and no one returns our calls or emails. 

We have asked multiple times now for updated paperwork that is not expired and no one gives us any help. We are now looking at owing 3 months worth of payments at once and do not have any updated paperwork. I am not sure what else we have to do in order to get papers with corrected dates so that we can get back to " normal '' life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
USAA closed my bank account for being over drafted XXXX dollars on XX/XX/22 and on XX/XX/22 the state of Maryland deposited my refund check in the amount of XXXX. They sent me a check for {$860.00} and they will not give me the rest of the money. At first they said they would send it and that it would take XXXX business days but as of Monday they are now saying that they never got a check from the state of md even though I provided evidence and confirmed account and routing numbers. They owe me around XXXX and I need that money it caused me to be late on bills etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Citibank Savings and Checking fees of nearly XXXX dollars I want back. 
Hi, I had a withdrawal problem with another bank where I was quickly forced to move my funds from Citi Checking to Citi Savings. Citi Checking originally provided a " bank credit '' on those fees and then after a few days later pulled a quick one and charge the same fees on my Citi Savings account. 

I like my fees returned. They keep creating opportunities to assess high fees that were not really disclosed clearly. I really don't like their products and services and told all my business friends to tell their other business friends to just remove their funds from Citibank and I will continue to promote Citibank avoidance on social media if they don't stop these fees and return actual fees of nearly XXXX dollars back to me. 

Thx.

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 2023-11-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
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: Information belongs to someone else

Complaint:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX  : XXXX -- -> : {$500.00} XXXX XXXX XXXX XXXX -- -> : {$4200.00} XXXX XXXX  : XXXX -- XXXX : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently opened a checking, savings, and money market account with NAVY FEDERAL CREDIT UNION. Everything was good until my first Direct Deposit posted to my account, that's when everything begin to go downhill. Account access begin to limit and then eventually no access pending Identity Verification. So I submitted the required documentation being put through a 3-5 business day  Verification. On the XXXX I called to see if the issue had been resolved to get no help and be told that I would have no access by phone to my account. This is the second time this has happened to me this year, you need to update my information and keep it updated. Please deliver an urgent response to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to request the removal of late payments from my credit report. After reviewing my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX on XXXX to XX/XX/2018. 

I understand the importance of maintaining a positive credit history, and I take my financial responsibilities seriously. I encountered difficulties in making timely payments for the aforementioned period. However, I have since taken steps to rectify the situation and ensure that my payments are made promptly. 

XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I am committed to maintaining a positive credit history, and I appreciate your understanding and assistance in this matter. If you require any further information or documentation, please do not hesitate to contact me.

Company response to consumer: In progress
Consumer complaint received 2022-10-21
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the process of building my credit to purchase a new home in the midst of the pandemic as a single mother. I have been working deligently on my credit for months and was highly upset to wake up this morning to see that this company has flagged my credit bureau accounts ( XXXX, XXXX, and XXXX  ) as having an account in collections which has resulted in a 90pt drop to my credit scores! I have never done business with this company and have no knowledge of the account they are accusing me of having or company they are allegedly collecting on behalf of. I haven't received any correspondence ( be it email, mail, phone calls ) about said account and am highly upset that this has been unfairly placed on my credit report. This type of predatory behavior HAS TO STOP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have disputed that there was no late payment in XX/XX/XXXX. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.

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 2018-04-26
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notification, and no way the amount owed is accurate nor did I have have business with this company NCC. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent multiple letters regarding inaccurate and fraudulent accounts being furnished on my report and they still have not been removed. I've sent in identity theft reports and my rights still are NOT being respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
while was incarcerated my family was to make the payments by calling the automated system and using online services back in XXXX, they were denied access to make the payments and told my " lawyer '' shut down access to any and everyone who was not me which was fraud as I never gave anyone authority to block access to make payments or to close my accounts. this happened on thee accounts of mine. I filed a complaint letter to the FTC never heard anything back but two of the three companies removes these accounts since this occurred and only XXXX XXXX and the portfolio recovery company are still ruining my credit and attempting to further damage my credit while trying to make money from me after causing so much damage. Upon my return from clearing my legal matters in XXXX XXXX XXXX after being notified of the FTC claim removed this item from my credit then placed it back on as if it was new debt in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I seen her listing on XXXX about a house for rent and I tried to reach out to the person supposedly renting this property and at first we started with a conversation and see if I qualified so I sent a {$50.00} XXXX transaction for an application then they asked me for {$450.00} transaction for a security deposit but they wanted {$500.00} more through XXXX or XXXX and thats where I noticed that they were trying to scam me so I tried to meet up with them and they didnt want to. I try to request my money back to the person I sent it to, and they declined it. I already made a report to my bank so theyre trying their best right now but even though if I dont get my money back I would like to see what can I do so they can stop this type of fraud. They also sent me an ID, which was the person that I was supposedly communicating with that person told me to send it to the account with the name of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: CA
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 notified Equifax on several occasions that their are several errors, inconsistencies, and FCRA violations on my credit report. I made it clear in my dispute letter that I did not consent to EOSCAR yet Equifax used it to process my dispute. 

Equifax did not investigate the errors or delete the inaccurate accounts due to FCRA violations. They are obligated to conduct an investigation ; however, they did not due so and are in direct violation of their requirements under the FCRA. 

They responded to my dispute indicating the accounts were verified ; however, if they would have reviewed my dispute and supporting documentation provided, it would be clear that the account could not possibly have been verified because all 3 credit bureaus are reporting different information for the same accounts. 

To add insult to injury, in XXXX of XX/XX/XXXX for 3 out of 7 of the disputed accounts, the creditor notified and reported to the credit bureau that there was a XXXX balance. 1 week later ( XX/XX/2020 ), after closing my dispute, the credit bureau added the balance back to the accounts stating the information is verified. The balance date reflected in my updated report shows the balance is as of XX/XX/2020. This means the credit bureau is not reporting the creditor update provided in XXXX and therefore is knowingly reporting inaccurate information. 

As of XX/XX/2020 Equifax is still reporting inaccurate information and despite my attempts to dispute, Equifax is not removing or correctly the inaccurate information. This is a direct violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Capital One I received, via CFPB, the attached letter dated XX/XX/XXXX. 
Yes, you asked for me to contact you to give additional information. I did several times but it was a waste of time. I even was on hold for over an hour until I became frustrated and ended the call. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better to call the consumers when Capital One is not so overwhelmed? My number is XXXX. 
Yes, payments reflected on paragraph 3 were not authorized by me.

Your trust is appreciated when payments are made but when multiple payments are made in a short time ; shouldn't this be an alert of fraudulent activity on your program? Consumers can not control fraudulent payments when cards were unknowingly stolen. 
Yes, on XX/XX/XXXX, credit was issued on the cards after the cards were suspended, closed, and after accounts were charged off 2 months prior. Thus, I was not afforded the opportunity continue making payments as I had been. I was faithfully making the minimum monthly payment and increasing the payments when I was able. Check you records. I incurred debt during XXXX and my credit score was important. Capital One prevented me from keeping card, making monthly payments, and keeping credit score. There was a reason I was making monthly minimum payments. I did not have {$3500.00} laying around after Capital One issued credit in my favor 9 months after Capital One closed the account. And then to exacerbate the problem, Capital One sold off one the debts. I made fraud claims because even the amount charged off was due to theft and fraudulent payments. If  Capital One issued credit due to fraudulent payments ; wouldnt it be reasonable to assume the charges were also fraudulent? 
The letter references a XX/XX/XXXX letter but was not attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX we discovered that Citibank had been charging us a monthly fee for debt protection, a service we did not sign up for or agree to. We have been card holders since XX/XX/XXXX and we have been told and confirmed through statements that this was added in XX/XX/XXXX.  Citibank has called their debt protection at least 5 different names since this started. We have not missed a payment nor received any benefit from this program. 

Since the discovery of these fees, we made an immeditate call to Citibank that were less than helpful as they said we would have to talk to XXXX and issue a complaint. We asked them to immediately stop what we learned was an optional service. Three calls later, they finally discontinued the charge moving forward. When we asked about our refund of the fees that totalled {$49000.00} and the interest that added {$30000.00} we were told that since we were under the protection of the program these were non-refundable. 

We did not sign up for the service, they imposed it. We have since discovered that there were several cases against Citibank for unfair and deceptive credit card practices. 

We are seeking the process to get our money back. We did not sign up for this debt protection and we were certainly not contacted about any settlement. Yes we should have read and questioned each statement, but for the first 7 years of having the card there was no debt protection. These fees were posted in the same columns at the fees and interest, very misleading. 

The most frustrating part of this dispute is Citibank 's process. We have been bounced around from call center to call center, with the standard response of we can't do anything or see records. First we were told they submitted/entered a dispute request on our behalf, then we were directed to email and finally told to right a letter and wait 30 days. All the while Citibank is making 16.5 % on the balance they have created over 14 years. They imposed these charges, we did not seek or benefit by them.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX XXXX XXXX ( 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 furbish 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 explanation