BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: FISERV INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The XXXX XXXX XXXX XXXX located in XXXX XXXX, is a Foreign Government Mission, the XXXX contracted services with Clover XXXX and the First Data XXXX 

This company Clover XXXX, has been charging the monthly fee since XX/XX/2022 into a wrong account, we have been in touch with our First Data representative, and they just rolling us from department to department. 

It has been already more than 6 months requesting to our account to be fix, and until now they don't respond to our inquiries anymore and we haven't been able to reach any customer presentative with the credentials to fix this situation, this has been escalated to our First Data representatives and until todays no one has done much to help. 

The Clover  Customer service is unreachable and when finally, we get someone over the phone they just keep rolling over departments. 

Our Service address is XXXX XXXX XXXX, XXXX XXXX CA 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 2021-12-15
Company: Experian Information Solutions Inc.
State: CT
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:
I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately

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 2022-05-02
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I sent a letter to the company requesting removal of several accounts reporting to my credit with incorrect information showing. I patiently waited 35 days and received no response at all. So I proceeded with another letter requesting this information be updated & corrected or completely deleted from my credit file. Today is XX/XX/XXXX and I have received no response nor have this information been removed. It is illegal practice as credit reporting agencies are required to report 100 % accurate information. These accounts are inaccurate and its very clear of that. The credit reporting agency is not complying with my investigation. Previously I was told that they were unable to locate my credit file. I sent ALL information needed. This was clearly an attempt to stall or completely stop the investigation process. I am now ready to file a lawsuit if I have no results of accounts being UPDATED with the 100 % ACCURATE information, or completely DELETED from the credit file under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: National Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This Collections Agency under contract by the US Department of Education is charging me more than {$12000.00} in fees and more than {$1000.00} in interest for a Student Loan Debt. They claim the Debt goes beyond {$80000.00} which is exagerrated and false. They claim they can seize my income tax returns and they have already damaged my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Professional Collection Company
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Professional Credit if XXXX LA is reporting I owed {$600.00}. The debt was {$400.00} and was paid by my health insurance company as Soon as the doctors office filed with the correct company. They filed with my old insurance even though on my previous visit they filed with the correct company. So clearly they had the right information. I discussed with doctors office the {$400.00} debt and they claimed I owed 50 % more because they turned over for collection. Thus was years ago. Ive already had it corrected with another credit reporting company years ago but it remains n XXXX report. Professional Credit of XXXX LA is falsely reporting the amount of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
PenFed promised to give a {$100.00} airline baggage credit every year I have the card. On XX/XX/2019 I made a charge to my card for an excess baggage charge. PenFed did not give me the credit. I paid XXXX XXXX {$120.00} for a baggage fee. PenFed told me to send the proof that this charge was for baggage fees, not something else. I sent the receipt proving this was a baggage fee. PenFed replied with a fake excuse, saying they won't pay for a train station ticket in XXXX. The receipt clearly says XXXX XXXX, Baggage Fee.

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 2019-12-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax Information Services has failed to dispute inaccurate information contained in my credit report. Equifax is simply sends me letters stating. " we have received your dispute, and have reviewed it. '' Equifax is intentionally neglecting to comply with more than 19 disputes over a 90 day period. Equifax is stating an item was verified, however following up on that dispute directly, no CDV was ever sent by Equifax. Online disputes are not being submitted and a standard letter is being mailed out. Unaccecptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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 AccounXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-10-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  Ca XXXX Loan no : XXXX PHH Mortgage Services have affected my credit report by reporting recent mortgage lates for XXXX and XXXX and now XXXX! This has caused significant damages for us to refinance our home and lower our payments and have the mortgage insurance removed.. We open escrow to refinance at a 2.875 % and an appraisal report has been paid however in order to close we need to receive a letter from PHH stating we were not late.

Our current loan officer has emailed them 4 times trying to  resolve this matter and also sent all necessary proof of cancelled checks all from XXXX thru XX/XX/2020 of mortgage payments. ALL paid on time. 

Please help us resolve this matter - we urgently need this done! 

We have attempted to resolve this issue 4 times without any success! Customer service keeps given the round around and impossible getting to a resolution. My husband and I are on our XXXX 's were this has cause us so much unnecessary tension and stress!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Well before filing bankruptcy I tried to keep the XXXX XXXX if they would lower payments and this was asked of Toyota credit services in 2017 I paid a couple of payments while I was waiting on them to come and get the car and when they got the car back they sold it at an Auction and still was trying to say I owed over {$11000.00} so then I keep getting harassed from them for a long time filed bankruptcy this year and the bankruptcy judge discharged it and they will not remove it from my XXXX credit report and will not remove it from my XXXX  credit report the only one they removed it from was XXXX  credit report can you please do something with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-16
Company: Experian Information Solutions Inc.
State: OH
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 allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX  xxxxxxxxxxxxxxxx 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 2022-05-02
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2017-05-31
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX ,    2016  amounts is {$1400.00}.   I have contacted the company to dispute this debt because the school issued out money I was not due and I should not be held responsible for this error on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: OR
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:
My wife and I had an account for a Costco XXXX card through Citi that we were using as our primary credit card. We literally just received the card and ran into repeated issues when making the first payment. For whatever reason, Citi refused to accept a payment from a valid credit union account that was verified multiple times. The payment was attempting each time to pay the balance in full. Each time, despite reports from the credit union that there was no issue on their end processing payments, Citi denied the payment. Citi then closed the account after only a month due to lack of payment. Customer service refused to accept any blame for Citi but was unwilling and unable to explain why they were refusing payment in the first place, just choosing to blame everyone else instead. Ive honestly never had a bank before refuse to take valid payment and then say we closed this due to lack of payment, but I guess theres a first for everything.

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 2022-05-02
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} EQUIFAX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Late fee

Complaint:
Dear Consumer Financial Protection Bureau : I am making a COMPLAINT and want to express my uttermost displeasure with the way Goodyear Credit Plan/Citibank has been harassing me about a credit bill that we paid in full!!! The credit card was issued for the purchase of XXXX tires at XXXX on XXXX XXXX, XXXX. 
Goodyear/Citibank representatives continue to call my cell phone at least 3 times daily. Below are the phone numbers they have used : XXXX XXXX ( XXXX XXXX KY XXXX XXXX ( Texas ) XXXX Sometimes I answer and sometimes I do not. Every time it 's always the same story. They want to help resolve what they contend is an " outstanding debt '' but what we contend is a " debt paid in full! ". Furthermore, the Goodyear Credit Plan/Citibank representatives talk to me in a very demeaning, demoralizing, and repugnant manner. I tell them that their company is trying to force me to pay on an account that I have already paid the final balance based on the promotional agreement! The promotional agreement allowed me to pay off the financial obligation in 6 months. 
In XXXX XXXX, I purchased XXXX tires from XXXX XXXX that cost {$1000.00}. Goodyear Credit Plan/Citibank approved me credit arrangements to be able to pay off this debt in 6 months. I was told that as long as I paid the debt off in 6 months, I would not be subject to any financial late fees and interest charges. This has not been the case because now Goodyear Credit Plan/Citibank continue to harass me into making payments for those same fees and interests that I am not obligated to pay. 
I made six payments of {$170.00} on the dates in XX/XX/XXXX ( See XXXX XXXX XXXX Statement ) : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The six payments totaled {$1000.00}. The costs of the tires was only {$1000.00} ; therefore, I have paid off the obligation in six months which was reflective of the aforementioned agreement. Now, Goodyear Credit Plan/Citibank wants me to pay the additional fees and interest charges of more than {$290.00} ( probably more now ), which I am not obligated to pay based on the prescribed agreement. 
I refuse to pay these outrageous and unjust charges because I do n't believe I should. 
This account is XXXX. 
I am attaching other pertinent documents.

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 2017-08-23
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They 've been calling constantly all day long for weeks now. When I 've answered the phone, they either hang up or just breath into the phone. I had to block the number. I XXXX the number and saw that it 's Credit Collections U.S.A., who have ALOT of complaints against them. I have NO debts. If they 're calling about my ex wife, we 've been divorced over 15 years and I 'm not responsible.

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 2019-12-22
Company: EQUIFAX, INC.
State: GA
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 Opened XX/XX/2018 {$350.00} Original creditor : XXXX Opened : XX/XX/2018 XXXX 1 yr, XXXX mos ) Account status : Open Responsibility Individual Original Creditor Name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : 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