BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: CITIBANK, N.A.
State: AR
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:
I have 2 credit cards with Citi, call them card1 and card2. I balance transferred {$250.00} off EACH card to my XXXX XXXX XXXX XXXX card. XXXX sent two {$250.00} payments, one to each Citi card. One of the payments went through correctly to card1, the other did not, to card2.

When I reached out to Citi, they took the payment that went through correctly to card1 and moved it to card2. I called them back to explain that this was an error, as the payment to card1 was not incorrect. There was another {$250.00} payment that was supposed to go to card2, but did not. The missing payment to card2 was the problem. They moved the payment back to card1, but then closed the issue, leaving me with a still missing {$250.00} payment. 

I called back and asked to speak to a manager, since they were having trouble understanding the issue. I was told I could not speak to this persons manager as they didn't have one. I was then hung up on. 

I would like my missing {$250.00} payment found and correctly applied to card2. I would like correctly applied {$250.00} on card1 left alone.

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 2022-02-28
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: Account information incorrect

Complaint:
The vehicle was bought back by the manufacturer. The account was paid in full. I have a letter from XXXX XXXX XXXX saying its paid in full. It is still showing on my credit report as open and XXXX XXXX  XXXX will not remove it from my credit report. They keep declining my dispute for a paid off and closed loan account.

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 2016-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX, 2016 Consumer Financial Protection Bureau XXXX, IA XXXX NEVER AUTHORIZED PEN FED TO RUN MY CREDIT AT ALL FRCA Violation On XXXX Reporting On XXXX XXXX, 2016 By Equifax I have noticed that you have placed one or more inquiries on my credit file ( s ). As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Please contact me immediately at the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No. XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Equitable Acceptance Corp
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX of 2015 I received a call from a well spoken man claimming that he was working with a company who received a federal grant from a new bill President Obama issued to consolidate federal student loans. I was really excited because I had just given birth to my XXXX son and was getting back on my feet after being XXXX and just moved into my first apartment so I did n't ask a lot of questions, he said he was from the government and that his company was with the XXXX and had a great rating. I gave him all my personal information and completed some paperwork over the phone and I 've been paying XXXX a month to the Equitable Acceptance Corporation since XXXX. They have been charging me interest and I 've had the loan for a year but it never seemed to go down and whenever I called to ask them about it I reached only a voicemail. Between XXXX and XXXX I received letters from XXXX my REAL loan company saying my bill was XXXX $ and I owed XXXX $ so I assumed that this was because of my loan with equitable acceptance. 
The man I talked with to set up the loan with equitable acceptance knew that I was recently XXXX and that my financial knowledge was minimal and he assured me that this loan would be a great step towards a positive financial future. I 'm a single-income home and provider of a minor ... I 'm really disappointed in myself for falling for this scam but I 'm even more frustrated that a company like this is even allowed to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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 Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : 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 2015-12-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I have an excellent credit and chase credit card charge me a 27.99 % interest rate and I was told they can not lower my interest because when I open the account, that 's how the interest rate was, that 's more than 10 years ago, I told them that I am always on time making my payment and never late, I was thank for that, and XXXX XXXX a supervisor said he can not help me with that, this is not right, I ask what is the interest rate for a person with bad credit 50-60 %, apr or what is it, I told them iam am even tempted to default in the account, this is robbery and abuse for the consumers, you want us to fail on this difficult time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Equifax will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
At the time of this visit to the hospital I was fully insured. I was not made aware that this doctor was NOT a regular on staff physician for XXXX XXXX XXXX and would send a separate bill for his services. My insurance has a binding agreement with this hospital for charges and this charge far exceeded that agreement. I am NOT responsible for these charges. 
XXXX such as this should be made to function under the agreed upon charges as stated in the contract with my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX Mn XXXX XXXX / Dob XX/XX/XXXX EQUIFAX CC Consumer Financial Protection Bureau I 'm exercising my rights to request verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There were XXXX hard credit inquires from " XXXX '' and " XXXX XXXX '' on XXXX XXXX, XXXX. I have credit monitoring services through XXXX and XXXX XXXX. I called XXXX and the representative contacted XXXX XXXX and connected me with them through three-way calling. The XXXX XXXX representative stated that they have no record of me applying for a recent loan. In fact, the XXXX XXXX representative stated that XXXX XXXX records showed a delinquent debt that was resolved through Chapter XXXX bankruptcy. I filed for chapter XXXX bankruptcy on XXXX XXXX, XXXX and the XXXX XXXX debt was in the bankruptcy, which was discharged on XXXX XXXX, XXXX. There is no way that I would apply for new XXXX XXXX payday loan after receiving the discharge. I 'm not sure what happened, but I have XXXX hard inquiries on my Equifax credit report that I did not authorize or initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
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:
XXXX XXXX gave a legitimate claim to Helvy & Associates on XXXX from a electric utility invoice associated with a investment property sale. They claim 2 notices were sent along with a VM left for a {$110.00} invoice. 

Helvy & AssociateXXXX made no reasonable attempt to collect this debt in good conscience. They pinged my credit for collection of a {$110.00} debt without attempting to collect. When I was made aware of this on on XXXX, I immediately sufficed the debt and asked them to remove this collection due to the nature of circumstances. This was not done. This has severely adversely, effected my ability to gain credit in a matter of days, dropped my score by XXXX points, and without cause. 

In short, they are illegally placing items on credit collections, without attempting to collect the debt. This is my only collection and has no jeopardized a XXXX XXXX dollar commercial loan obligation. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing now a dispute regarding fraudulent activities on my credit report. I first became aware of the fraudulent activities when I received a letter from CREDIT CONTROL , LLC regarding a debt that I did not recognize. I have taken also the necessary steps to protect my personal information. I am deeply concerned about the potential harm this could cause my credit score has been negatively impacted. I have attached a copy of my police report to support my dispute. I am requesting that you remove the fraudulent account from my credit report and take the necessary steps to restore my credit score to its previous state.

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 2017-09-26
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send this dispute certified mail # XXXX to make sure they had receive it. I have no knowledge or records of account # XXXX reported by PMAB. Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you can not obtain The information from the original creditor within the required time frame ( 30 days ) Please delete this account from my CR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I started this loan with Cashnet USA this in 2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several phone calls a day from ( XXXX ) XXXX. They never leave a message and sometimes hang up after 2-3 rings. 

I looked up this company online and they are located in Texas. But, the area code is XXXX ( an Arizona area code ). 

Additionally, I have called them a few times and it seems like an overseas call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: AL
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:
I still have not received a response from Equifax this has been going on since XX/XX/2021 that I reported these fraud accounts. I was told by the representative it would be removed with 4 business days it has turned into almost 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Amount due XXXX, credit limit XXXX I was reported two payments late on a credit card, XXXX XXXX credit card. I do not dispute the debt or the amount due. 

The company changed the system in which I receive my monthly bill, I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via " XXXX XXXX ", I paid the amount due and discussed with employee XXXX # XXXX, who will make sure I recieve a paper statement he also waived one late fee. He was very helpful and a pleasure to deal with this afternoon. He could not help in reversing the late payments on my credit report, he gave me an address of XXXX XXXX, XXXX, Kentucky XXXX to write a letter to see if the company will resolve the issue I contend that I do not look at email from XXXX, I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.

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 2017-04-26
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: FL
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 30 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 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 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 Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a fraud alert on all XXXX of my credit reports. I have reported that numerous accounts are not mine. XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
after I spent XXXX seconds on the phone Equifax I was told that a court order was not enough information for them to remove an account from my credit file. I was told I would have to wait for it to fall of my credit report Equifax refuses to provide accurate credit information. They Must remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am stationed overseas and I 'm trying to obtain my annual credit report. The site is saying I ca n't get it while stationed overseas. This is when & why I need it the most. How can one serve their country but be denied their inalienable rights? Then one company sends me a letter telling me to put PII in it in order to obtain my report. If that 's not the dumbest thing ever, I do n't know what is. Put my name, social, copy of personal documents in the mail. Really?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-03-09
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:
FCRA violation : Incorrect balances being reported. High balance reported inaccurately by XXXX XXXX

Company response to consumer: Closed with explanation