BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
THE BUREAUS KEEP MARKING THE STUDENT LOANS AND OTHER ACCOUNTS AS VERIFIED AS ACCURATE BUT CAN NEVER SHARE THEIR FINDINGS. I BELIEVE THEY KEEP MARKING IT WITHOUT GIVING ME A PROPER INVESTIGATION. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX XXXX XXXX  XXXX XXXX BALANCE {$7600.00} 2. XXXX XXXX XXXX XXXX XXXX BALANCE {$4300.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX {$9300.00} 7. XXXX XXXXXXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

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 2021-05-07
Company: LJ Ross Associates
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company several times to obtain a verification of debt. They have not verified. They also keep re-aging the debt to appear as though the debt is a new debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to TransUnion on XX/XX/2020 via USPS Certified Mail # XXXX demanding TransUnion to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). TransUnion was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as  no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence 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 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank of America Credit card keeps withdrawing credit card payment without my authorization and creating overdraft check and bank fees from my bank and they are also charging me fees for NFS. My online account does not allow me to make the necessary changes to remove my bank account routing and account number from their system. They are extremely non cooperative. I did not authorize automatic payments for Bank of America to deduct moneys to pay my credit card bill.

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 2020-05-29
Company: EQUIFAX, 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:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
**This is my 3rd complaint filed against XXXX XXXX XXXX in 2 years. Both complaints have ended with a promise to resolve the issue. The issue is resolved, and then is reported in correctly again. This issue has caused my score to plummet, has cause multiple denials of loans, and most recently a new mortgage. ** My account with XXXX XXXX XXXX, XXXX, was closed and paid in full 4 years ago. For years XXXX Reported a charge off/ repossession on the car based on the insurance not making the payoff in time, AND misapplying the payment internally. 

This has plagued me for years. 

In XXXX, 2019 I was written a letter " XXXX XXXX '' an executive analyst, stating that although we disagree on the issue with the payment, that the XXXX that caused the charge off would be removed, and the account would be changed to a positive payment history, XXXX balance, an all notes of charge offs removed. 

I have had to reach out to them multiple times because the charge off seems to randomly re-report on my credit. 

Now, almost a year later, I have contacted by a mortgage company and informed that XXXX XXXX has reported a CO indicator exception on the XX/XX/2019 payment. This is showing on Equifax. Being less that a year ago, it has dropped my score drastically. Not only did this happen, their phones state they can't take calls because of COVID,  and when I disputed it with Equifax, they verified that the XX/XX/2019 CO indicator was correct. This brought the CO to be fresh data, and dropped my SCORE AGAIN. Also ... this account has been closed for a very long time, not XX/XX/2019. If it was a mistake, ok, its the 3rd. But to verify the CO again? 

I have XXXX letters from XXXX people at XXXX guaranteeing this was taken care of. And here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 status incorrect

Complaint:
I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. Carrington Mortgage Company a service provider for XXXX   XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life,  and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: WELLS FARGO & 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 applied and got approved for a Wells Fargo Business Platinum credit card that comes with 1 % cashback on purchases. I have not received any of the cashback rewards despite having made over {$2500.00} in purchases on this credit card. I called to fix this issue and never got a call back.

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 2022-10-27
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a 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 2023-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a Wells Fargo checking account from XXXX and was charged multiple times for not having enough money in my checking account then my account would go negative and I'd be charged again for overdraft fees. If I had less than {$200.00} in the account I would be charged {$8.00}.

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 2021-02-25
Company: CITIBANK, N.A.
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
I made two disputes on charges made by my XXXX, XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. 

XX/XX/2021. Marchant charged {$38.00}, which includes {$28.00} XXXX service covered by my XXXX XXXX  plan XX/XX/2021. Marchant charged {$280.00} while XXXX approved {$230.00} as my copayment amount. 

I have submitted documents to prove these two overcharges to CitiBank N.A., but they made multiple mistakes, and now ended up charging me more than the original amount. 

Transaction on XX/XX/2021. Citi first gave me a conditional credit of {$28.00}, and later reversed the entire amount, so I still pay the merchant {$38.00}. 

Transaction on XX/XX/2021. Citi mistakenly charged me {$230.00} on top of the existing amount. So, I now have to pay {$510.00}. 

I contacted Citi Contact Center three times by phone ( XXXX ) on XXXX XXXX, XX/XX/XXXX and XXXX XXXX, and also contacted their representatives using their chat service on XXXX XXXX. They have failed to resolve the issues. 

Thank you for your attention. I have attached the following four documents.

1 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that I do not owe the merchant {$0.00}. The merchant later gave me a breakdown of {$38.00} ( {$28.00} for XXXX and {$10.00} for XXXX ). 
2 ) XXXX Coverage Info, which indicates that XXXX is covered under my insurance 3 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that my copayment is {$230.00} instead of {$280.00}. 
4 ) A list of related transactions in the Citi statements

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 monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: PA
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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2018-04-30
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware statutory trust filed a civil court summons and complaint against me. The amount is for {$24000.00} I went to court XX/XX/XXXX and their outsourced attorney did not have any documentation that i owed XXXX nor that they bought the debt from any other lender. He only had the application or loan agreement for a different lender, XXXX XXXX i believe, for {$15000.00} or less. The attorney suggested I call XXXX and try to negotiate directly with them and another court date was set for XX/XX/XXXX. XXXX has not responded to any if my attempts to reach them. I understand they have a history of bringing lawsuits illegally against consumers, please advise what i can do to see if I am one of those situations. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020 my husband I booked a trip for XX/XX/2020 with XXXX. We paid for this trip with my Citibank credit card. In XXXX XXXX cancelled our trip due to Covid-19 and told us to contact our credit card company for a refund. XXXX also closed down there business as well. I immediately filed a dispute with Citibank for over {$4000.00}. I sent Citibank all the documentation from XXXX cancelling the trip and also there policy on cancellation. I also sent the XXXX  report and news reports of the company abruptly closing. I have received a partial refund from Citibank for {$240.00} and was advised {$4600.00} was still pending awaiting on XXXX to respond. I just received notification from Citibank that for the {$4600.00} they have sided with the merchant and will not be refunding me the money. I need help! If our trip was cancelled by the booking agency and the resort doesnt have a record of it because they are closed as well how can they keep our money. Also how can Citibank refund monies for the exact same trip and company for the smaller amounts but not the large amount were we paid the remaining balance. The information I sent on the disputes were all the same and for the same trip. Please help!

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I believe my credit score has inaccurately reflected my credit history and have I have been unable to get a response from XXXX as to why. For example, earlier this year, in one day my credit score dropped over 100 points, but nothing changed in terms of accounts, balances or history with my credit to explain why my score decreased by over 20 %. All inquiries submitted to the agency, which are done electronically have received no acknowledgement or response.

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 2018-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to obtain an auto loan. However, my lender says my Equifax credit is more than likely frozen. I called Equifax on XX/XX/2018 to unfreeze my account, which I never froze in the first place. When I finally spoke to a representative and gave her my information, she informed me that Equifax had no record of me in the system. I have had established credit for 6+ years! Several credit cards and auto loans. I have verified that at least 2 of my credit cards ( XXXX XXXX and XXXX ) report to Equifax. There is no reason that my credit should be missing, especially since I provided my SSN, birthday, name, address, etc. I even remember 2 years or so ago checking my Equifax score on XXXX XXXX. This makes no sense that I have just " disappeared '' from record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: NV
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:
These inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Their investigation did not fix an error on your report

Complaint:
Several attempts have been made to recieve validation of debt from all major credit bureaus and cfpb I have still not recieve vadilation of debt its been well over 90 days no action was taking per consumer law if debt is not validated within a cetain time frame its to be 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 2018-04-30
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
It started XX/XX/XXXX when I called and spoke with XXXX XXXX. I told her that I was having trouble making the payments due to income change and NOT to debit my account on XX/XX/XXXX for the $ XXXX-I 'd have to make a payment another way.

She then sent me an email with other payment methods.

On XX/XX/XXXX Cashnet debited my account anyway which also got me a {$34.00} NSF fee.

I reached out to Cashnet and with much back and forth they said because I didn't respond with a payment method and the payment wasn't received they debited my account.

All of that created a further hardship.

I called today and spoke with XXXX XXXX   telling her I could not make the upcoming XX/XX/XXXX payment due to no longer working full time. I asked if a payment could be moved to the back of the loan and she said no.

She offered me 2 options, a double payment on XX/XX/XXXXor a XX/XX/XXXX payment of {$51.00} on XX/XX/XXXXthen another {$51.00} plus the scheduled {$200.00} on XX/XX/XXXX.

Those are just not feasible. I want to repay the loan of {$2600.00} which is the amount I received. I have made 2 payments so far ALL going toward interest NONE to the principal. I won't chose between paying this loan and whether my family eats.

I have ONCE again withdrawn consent from them to automated debit my account based on what happened on XX/XX/XXXX. I would like to pay something each pay period but I can't do {$200.00} twice a month right now while I transition from full time to part time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation