BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted all three credit bureaus about several inquiries on my credit report and I never received validation or proof of the inquires to be removed. 

I wish to file a complaint and have these items rectified. 

These are the names of the creditors and dates : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2019-11-06
Company: The Cherrington Firm PLLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19 at XXXX I was served with a court summons by THE CHERRINGTON FIRM, LLC for outstanding medical debt to XXXX XXXX. The amounts where listed as follows : {$240.00} for valuable goods and/or services {$72.00} for pre-judgment interest and collection costs {$350.00} for attorney fees I called and spoke with " Candy '' who assisted me in settling the debt. I agreed to an initial payment of {$320.00} which was processed and cleared. Along with this a second payment of {$340.00} for XX/XX/19. During this conversation I was told that they would reduce the price of legal fees by {$75.00} as long as they received payment in full with 10 days of being served the notice. Based on the total payments made, {$6.00} service fees withstanding, this agreement was not upheld. 

On XX/XX/19 I received a phone call from THE CHERRINGTON FIRM, LLC asking to process the payment. They made no mention of the automatic payment failing but I later found this to be the case. When I spoke with them I authorized a payment of {$340.00} which should of settled my account. Later on XX/XX/19 a second payment of {$340.00} was charged to my account. I called immediately upon noticing the additional charge, but there office had closed for the evening and subsequent weekend. 

I Spoke with the office on the morning of XX/XX/19 explaining what happened and that the erroneous charge had caused my rent payment for the month to fail. They said the money would be refunded immediately. 

I drove down to the office of THE CHERRINGTON FIRM, XXXX on XX/XX/19 to receive in writing the amount that was being refunded in order to avoid any issues with my property management company. When I was being told what happened they stated that is common practice in there office to rerun any denials on credit card transactions later that same day. Despite my account being paid in full the card was reran and charged for money that was not owed. 

The charge for {$340.00} was refunded in full on XX/XX/19 though the returned rent payment has already incurred a fee and any other outstanding fees caused by this incident are still forthcoming.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Expressed several time to this company about how in 2012 I had identity theft, the IRS has this on file as I was victim and was provided the tax advocate to investigate the problem to stop the thief from getting my money since then I've seen all types of credit and hard inquires. 
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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: AZ
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: WELLS FARGO & COMPANY
State: NJ
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 XXXX and wells fargo sent the ftc and affidavit to them with no results

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 2019-09-22
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: American Credit Acceptance, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2022-01-07
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Toyota Financial Services for years did not report this loan for my 2012 XXXX to any of the credit agencies. It took the CFPB, XXXX and a certified letter to the office of the president of TFS to fix. Finally, the item got reported and all the payment history but did not have an impact on the score as that's not the way credit aging works. Check CFPB reports and notes on the account. 

The issue I'm faced with at the moment. I just setup bill payment on the account. The information was off by 1 digit on the account number. I re-submitted my payment via my bank 's bill payment system. The payment was accepted and posted to my Toyota account however 2 days after the due date. Now I've been marked with a 30-day late payment that shouldn't have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 at approximately XXXX XXXX I received a notification from my chime account stating XXXX was removed from my account at an out of network ATM. At this time I was at home and my card was in my wallet. I immediately called Chime customer service to inform them them that I didnt not make that transaction, I was told I had to wait until the transaction was no longer pending to file a dispute. I asked the agent why wasnt this transaction flagged due to the fact that It was unusual activity, I rarely remove money via an ATM and especially not that large amount and was under the impression there was a {$500.00} daily ATM limit. Agent could not provide me with an explanation as to why my funds were not protected.I asked the agent where was the ATM located that was used so I can file a police report. I then called XXXX   police department to file a report. On XX/XX/2020 the transaction finally posted and I was able to file a dispute. I provided Chime with the case number the detective gave me and a written statement of the events that occurred that day. I also informed chime that my card was definitely on me and I have not shared my pin with anyone. Because I am a single parent I called Chime asking when will I receive my funds back I have to care for my children. I was told I would be receiving a provisional credit on XX/XX/2020. It was extremely hard for me to wait because that was all that I had due to the pandemic so I called XXXX to file a complaint about the wait time and was unable to be assisted.On XX/XX/2020 the day before Chime was suppose to give me my credit I received an email stating my claim was denied and no error occurred on my account. I immediately responded stating that is completely false and why did I file a police report if no error occurred. Its been weeks since this even occurred and I am in desperate need of my money back and dont know what to do. Im so afraid because now I think that the people that stole my Money are Chime agents and thats why they falsely denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Account information incorrect

Complaint:
The credit card company XXXX XXXX XXXX reported wrong information to the credit bureau about missies payment Ive sent the credit bureau the documents to support my claim from the company who has agreed to remove their error and the credit bureau still hasnt done so Ive never missed a payment on such account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: GA
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:
hard inquirie on my equifax report i contact equifax and they would not delete the inquirie wich is not attach to any open account on this date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SOUTHWEST CREDIT SYSTEMS Im writing because I noticed that my most recent credit report contains an account that was already PAID/SETTLED reported on XX/XX/2018 for my account. 
I want you to know that I understand my financial obligations, and if it werent for PERSONAL HEALTH ISSUES Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made good on the account Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a HOME mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The spelling of my name is incorrect. It should be XXXX XXXX and NOT XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: TX
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have reached CitiMortgage four times in different years for the past ten years with no solution to our request to help us in lowering ( modifying ) the interest rate of 12.375 %. We consider that this rate is three times higher than the current interest market, we have never been late in our payments. We can't sell the condo because we owe more than its value, we expected help by modifying our current debt with CitiMortgage, but it seems that CitiMortgage wants to see us in a very desperate situation and delayed in payments to give us a help, which is unfair. The last time we met was this past XX/XX/2018 at XXXX ( XXXX XXXX XXXX XXXX XXXX, Florida XXXX ), and the only solution they gave us was to cash-out from our primary residence and pay out this second mortgage. We consider that we have paid unfair interest, since the market interest rates have been lower for the past 5 years. Our current debt as of XXXX is {$26000.00}.

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 2021-09-14
Company: LEXISNEXIS
State: GA
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:
Please be advised, I am XXXX XXXX XXXX. And I am submitting this complaint and accompanying documentation myself without any involved third party. This is not any sort of company or lawyer. Although I am using legal terminology, that is because I am aware of my rights as a natural consumer & will be pursuing legal resolution should be issue continue to be unresolved ignored. So that being said, fact, XXXX XXXX is in default and violation of FCRA statute 15 USC 1681i due to their non-responses to my previous request to remove invalidated information and information that they've illegally obtained without my consent from my consumer report in their database. Fact, XXXX XXXX received affidavits along with supporting documents on XX/XX/2021, at XXXX that detailed the specific records that were in need of removal due to their numerous violations per FCRA statutes for illegally obtaining, storing these records in their database, and reporting these records to other non-affiliated third-party consumer reporting agencies. XXXX XXXX did not fully complete the removal process nor fully respond to that request within the 30 days ( from the date of receipt of the consumer ) as required per 15 USC 1681i and as a result, they must now remove all of the records referenced in the original request that they received on the date listed above. The specific records that are referenced in that documentation, that was submitted to XXXX XXXX and that is now well past the 30 days allowed, and now must be removed immediately, are as follows : Bankruptcy Records Public Records ( 5 Records ) Identification Records ( 56 Records ) Address Characteristic Records ( 35 Records ) Phone Records ( 11 Records ) Education Records ( 7 Records ) Business Association Records ( 11 Records ) Online Marketing Records ( 20 Records ) Property Deed Records ( 1 Records ) Insurance Policy Records ( 4 Records ) Automobile Insurance Claim Records ( 3 Records ) Inquiry Records- ( 7 Records ) XXXX Records ( 43 Records ) Failure to comply with my request within the next 10 business days will be evidence used in federal court for your noncompliance under FCRA 616, 15 USC 1681 ( n ) and I will be seeking statutory & punitive damages in addition to the cost of the action and reasonable attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX XXXX XXXX reported to Experian a debt that belongs to a corporation to my personal credit report. I opened a dispute with Experian ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested Experian to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested Experian to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit 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 2022-09-01
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was not recorded and affecting my ability to VA refinance. 
I am currently in the process of doing a VA cash out refinance loan, appraisal ordered and paid, rate locked and just found out the present lender never recorder my mortgage in error. Mortgage not being recorder is hampering my ability close on this loan. I contacted ( XXXX and XXXX ) my servicer NewRez and they could not provide my with a direct contact information to my lender in order to expedite this problem and to top it off XXXX hung up on me.. My rate lock will expired in about 10 days and I need to mortgage to be recorded ASAP and cant seem to obtain the proper assistance. 
I have attached a copy of my mortgage statement with all the pertinent mortgage information to hopefully assist you with expediting the recording of my mortgage. 
Also About 6 months ago I attempted to do a VA refinance directly thru my NewRez servicing company. They ordered appraisal ( paid by me ) ordered title report. 
Why did they not notice my mortgage was not recorded then? 
I am available for you call after XXXX Central time.

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