BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
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: Account information incorrect

Complaint:
I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with XXXX XXXX XXXX and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is  being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2019 I was charged {$430.00} by XXXX XXXX in error.I disputed the erroneous billing charge with CitiCards and on multiple occasions provided the final billing statement which showed I was charged for mileage in error as the statement states unlimited miles are included. In addition to the total due being far less than {$430.00}, I've attached the last submission and copies of documentation provided to Citi showing this. 

Citi however, has refused to correct this billing error despite being informed and provided with the documentation provided by XXXX directly of what the actual amount due and correct charge should have been for. 

On XXXX I received a letter from citi stating Without a valid credit slip they are unable to intervene on my behalf with the merchant or their bank.Yet, Citi has been provided with all the necessary documents needed to dispute this invalid charge, and simply refused to do it.

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 2020-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to XXXX XXXX. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to XXXX XXXX. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.

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 2019-05-10
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Aargon Agency contacted me regarding unpaid medical bills, which we the result of moving out of country. I promptly resolved the unpaid bills with Aargon ( XX/XX/2018 ), and paid extra fees ( total of {$76.00} ) for Aargon to remove the collection notice from my credit history. 

Instead of expunging this from my record they reported it to the credit agencies in 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 explanation
Consumer complaint received 2020-09-04
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: Account information incorrect

Complaint:
I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX  ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with XXXX XXXX bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander USA consumer illegally stole my car when the car became a lemon stop working XXXX blaming XXXX for fuel pump failure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I currently have a {$510.00} debt being collected from a company name Portfolio Recovery located in XXXX, VA. I sent a certified letter to Portfolio Recovery on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. 

I called the Portfolio Recovery on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires Portfolio Recovery or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CULLEN/FROST BANKERS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was due to an over drawn back account was on my credit report for over 4 years with the same amount owed of {$4100.00} This amount was given on Cashier ; s Check with Restrictive Endorsement that the bank agreed with by cashing the check and not returning it! After the payment the bank slapped other {$2200.00} and did not live up to the agreement of the Restrictive endorsement that they signed and cashed, When I called the Bank the bank told me to talk to the Attorneys office on this matter? The bank had the attorneys office call me I explained too two different individuals at the law firm that they already Settled the case by casing the Restrictive Endorsement the Attorneys office said OH we have to reach out to the bank? The Attorneys office emailed be Back with this  Statement? 
Thank you, sir. 



I appreciate your briefing. However, the bank disagrees with your position. We are open to settling the remainder of the claim for {$3300.00} due by XX/XX/2020. You will have to forward payment to our office, not the bank, but payable to Frost Bank. 



Respectfully yours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Finance System of Richmond, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Finance Systems of Richmond is still reporting a collection account and balance on my credit reports even though they agreed to remove it fully from my reports for a settlement in the amount of {$240.00} which was 50 % of they amount they claimed I owed. I dispute that I even owed the debt, but was advised to offer a settlement in return for the deletion of the collection from my reports as the quickest way to resolve the issue.

Finance Systems of Richmond has cashed the settlement check, but not honored their agreement to remove the account fully from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to 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 2020-11-30
Company: Bread Financial Holdings, Inc.
State: NJ
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i opened a loan and investment account with them back in XXXX of 2018. i ran into financial issues in XXXX due to job changes. i know i had enough money in my investment account until i got my money right to cover payments. i called them dozens of times to have my investment account put towards my loan and was told every single time " that's no problem, we will just need to have a supervisor contact you back to do so. well a supervisor never called me back after any call, anytime i requested one, one was never available. now they are reporting negative payments on my report while i have been doing nothing but trying to resolve the debt and their negligence is causing it to be later and later

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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:
On XX/XX/XXXX I contacted XXXX Mastercard XXXX a XXXX private label consumer credit card ) to have a replacement card sent out to me since the one I had was damaged. I was NOT told that a credit report was necessary to do so. This credit pull was NOT approved and I have a letter from XXXX 's Executive Response Unit stating this was indeed an unauthorized and fraudulent credit inquiry. Since the credit bureaus share information, the hard inquiry was not only included on my XXXX  credit report, but also my Equifax and XXXX. On XX/XX/XXXX I filed my first online dispute with Equifax ( conf # XXXX ). Since this was NOT removed from my credit report, I filed my second online dispute with Equifax on XX/XX/XXXX ( conf # XXXX XXXX. As of today, XX/XX/XXXX, this fraudulent inquiry still has NOT been removed from my credit report. As a result, I filed a third online dispute with Equifax ( conf # XXXX XXXX. What else do I need to do in order to get Equifax to do their job and keep my credit file accurate??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 am supposed to have fraud protection with my credit card with Bank of America. I noticed 3 charges on my credit card on XX/XX/XXXX. One said it was for {$10.00} from XXXX on XX/XX/XXXX, which I did not make and two were for {$75.00} each from XXXX on XX/XX/XXXX in XXXX, TX ( a town over 6 hours from where I live which I have never heard of ). My credit card has been in my possession the whole time. I immediately filed a fraud claim and requested a new card ( which I have never received ). I have since requested another card, which I have also not received. A few days later, I noticed on my statement the charges were credited to my account, but also the  {$10.00} description was changed from XXXX to XXXX XXXX and I realized I did do that charged so I called and asked for that charged to be removed from the fraud claim, which was done. Therefore, the fraud claim is only for {$150.00}. I just checked the mail this morning, XX/XX/XXXX, and received a letter stating that my fraud claim was denied because my chip from my card was used for these charges. I called Bank of America to tell them that is impossible as I have proof that I was in XXXX, TX over 6 hours away at a Dr. appointment that day, and my iphone 's Location Services shows that I was at home the rest of the day. And I had my card in my possession the whole time. A simple google search can tell you how easy it is for people to clone credit cards. The entire purpose of fraud protection is to protect you from having to pay charges when people do things like that.They  said they did not care, and that was not enough proof. I told them to cancel my account since they have not sent me my new credit card anyway, but I still have to pay the {$150.00} balance, which is unacceptable. This also hurts my credit having to close this account as I have had it for 15+ years, which looks good, but since they would never send me a new credit card to use, I need to find a new service anyway. I think they don't like that I pay off my card every month and they don't make any money off of me.

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 2021-01-26
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: Was not notified of investigation status or results

Complaint:
In XXXX of last year I filed disputes with all 3 bureaus because there are some incorrect things bein reported. To this day they have not done anything to fix what it wrong. Why is this taking so long? 
I hope you can help with this matter.

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 2018-07-21
Company: EQUIFAX, INC.
State: PA
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:
The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like .XXXX, Equifax and XXXX.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to officially file a grievance against PennyMac. Because of the COVID-19 pandemic, my employment was impacted. I contacted PennyMac for assistance and was advised of a forbearance plan. My mortgage was due for the month of XXXX, however I was told that because of the forbearance planI did not need to make a payment. The representative suggested that the forbearance would block any negative credit reporting to each of the credit reporting agencies. Additionally, I received the attached letter from PennyMac confirming that while on the forbearance plan, my account would be reported as current. Please see attached letter. 

Upon receipt of my XXXX  credit report, I discovered that my account was reported 30 days delinquent for XXXX and XX/XX/2020. Please review attached. 

I contacted PennyMac on XX/XX/2020 and the representative reviewed the communication referenced above and she could not provide an answer as to why the account was reported delinquent. The representative suggested that she would send an internal complaint that would be reviewed by various internal individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a two party check with my name and Colorado Housing and Finance Authority after a hail claim. I signed the check and mailed to CHFA per their request. They are stating I as the homeowner can not perform any necessary repairs myself. I have a licensed roofer doing the roof, to be completed by XX/XX/XXXX and they have not seen a dime from CHFA. I would like to perform the smaller tasks such as paint, pressure wash deck and fence, etc and the mortgage company is stating it has to be done 100 % by a general contractor. Also, theyre holding the check until all work is complete. Is this okay for them to hold the check?

Company response to consumer: Closed with explanation