BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: EQUIFAX, INC.
State: OH
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 submitted a dispute to Equifax on  X/X/17    regarding a bankruptcy appearing on my credit report and they have yet to resolve the dispute or remove the item. The dispute was said to be resolved by within 30 days but no later than  X/X/17   . I spoke with a representative from Equifax on  X/X/17    and they agreed that they had not resolved the dispute and that I would need to call back, but then tried to sell me credit protection coverage at a monthly cost. I spoke with another representative on  X/X/17    who also stated that the dispute was not resolved but would not give me any additional information and once again tried to sell me credit protection for a monthly fee but was not helpful to me once I declined the coverage. I submitted the dispute according to the proper guidelines and feel that Equifax is refusing to delete this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Transfinancial collection agency has  XXXX  accounts on all  XXXX  of my credit files. I requested validity of the debt over 30 days ago and have n't received any information but they are verifying with the credit bureaus that the debt is true. They are not following the FCRA laws put in place by the federal government. I have a right to copies of my debt especially if I 'm disputing I never owed the original creditor. I 'm disputing with you all so I have grounds for civil action against them. This is my second attempt to get a resolution with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called CITIZENS ONE on three occasions enquiring about my annual refund from my ESCROW account and was told the check is on its way but to date it has not arrived. I am also querying the AMOUNT which is less than in prior years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an dispute with PNC bank regarding charges from an account that was unauthorized and PNC reversed the fees claiming it was valid and it was not. I was charged on XX/XX/XXXX and the card ending in XXXX was a card that was suppose to be closed and PNC said the cancelled my card and no other charges will be taken from that card. on XX/XX/XXXX I noticed other charges was still coming out of this card including a charge of {$52.00}, {$250.00} from XXXX. PNC is allowing fraudulent companies to debit my account, I want my {$210.00} reversed and put back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing XXXX XXXX XXXX who was representing Citi/Sears XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did  n't understand why they did this when I worked out a payment arrangement with the mediator and their law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.

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 2017-06-10
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX   2017   XXXX  checked my credit without my permission. I do not have service with them and have not for the la st 5 or s o years. I received an alert from my credit monitoring service and immediately called  XXXX . The first representative said it would be removed within 2-5 days. I called back since it was n't removed and was hung up on. I called again and requested a supervisor. When he came to the line I explained the situation again. After several moments of silence he blind transferred me to equifax knowing they were closed on Saturdays

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sears citi bank card I have been trying sometime know to have the Sears citi bank card and  XXXX  to  send me something with my signature on it that validates that I am the correct person on the account or that I authorized any of the payment and I have sent certifeyed letters to both company to send me some type of verification and I recieved my credit report comments fcba dispute resolved- consumer disagrees and of course I disagree. So because I can not get the credit card company or the sear citi bank credit card company to send me anything I am asking the fcba to hgive me the names and addrress of the people the spoke with that can verify that that is my account and to send me some information and proof of my signature. You would think that after certify letter requesting this information  2 ti me from each company this matter would be resolve and deleted from the credit companys I can not get any credit anywhere because of this inaccuracy

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 2017-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use a service called   XXXX   XXXX   that lends money and they are connected to my chase checking account and they need to see recent transactions but my bank is extremely lacking and slow in sending those transactions to a ridiculous point of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to  work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing Midland Credit Management who was representing XXXX XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did n't understand why they did this when I worked out a payment arrangement with the mediator and their  law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX     2017  and  XXXX   XXXX     2017  Asked for original Creditor and name but was told they could not give it to me. I then asked for a Validation letter but have n't received one yet. I talked to a representative by the name  XXXX . I wanted to get the original creditor name and address from this company because they would not negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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:
Equifax is usually the lowest of a consumer 's 3 credit scores but they are the most difficult to retrieve a credit report from. In addition, they do not provide access to credit scores to individuals without payment. When applying for a mortgage, it often prevents approval because it is so much lower than the other two and the least transparent to the borrower. It appears that the credit reporting industry is unregulated and far too powerful in Americans ' lives. For-profit companies like this block home ownership and other opportunities from those that would benefit the most. All 3 major consumer credit reporting agencies should be required to provide credit scores along with the free annual credit report that is available. Equifax not only fails at doing this, but the annual credit report is notoriously difficult to access for most people. Security questions are often incorrect and requests by mail are ignored. What is the CFPB doing about this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: MD
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 paid off this loan on the XXXX of XXXX with a Check in the amount of {$34000.00}, check number XXXX. The bank states that the check cleared on the XXXX of XXXX. XXXX XXXX XXXX XXXX  maintains that the check has not cleared. This loan should be paid off now. They have a balance reporting on my account. And they posted a let fee onto my account and my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage Has not recorded a rescission of a notice of a notice of default as required by California Law ( Assembly Bill 278 ).
Wells Fargo Home Mortgage Has approved the Short Sale of the property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX . All parties have approved the short sale. Proof of funds and financing documents have been provided to Wells Fargo Home Mortgage ( Authorized agent of beneficiary ). As per California Law, Wells Fargo Home Mortgage must record a rescission of a notice of default.
Wells Fargo Home Mortgage has failed to record a rescission of the notice of default.
Please have Wells Fargo Home Mortgage comply with California Law.

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 2020-02-29
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( From XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3500.00} XXXX. I started by having a secured card with them, then they evaluated my excellent payment history and offered me a regular credit card with their banking institution. From that moment to the present, for having used my card correctly and making all my payments in an excellent way, they increased the limit 3 times. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. In that email, they told me in a discriminatory way, since I am XXXX, that I had 5 days to send that information, otherwise they would close my account. DISCOVER Financial Services is discriminating me for being XXXX. Today XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. I request that they RE-OPEN my account immediately and my credit limit be restored. My account number is # XXXX XXXX XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On  XX/XX/XXXX , I spoke with a man from Fedloan who told me I could consolidate my husband and I 's loans by filling out a single IDR plan request form. He told me our payments would each be  XX/XX/XXXX  dollars a month. He told me exactly how to fill out the form and said only one form was needed to cover both of us, and this would consolidate our loans together. I filled out the form and mailed it to them. They acknowledged they received it when I called over a month later. They said it was being processed. After no word, and noticing my husbands monthly payment shooting up to almost 300 dollars, I called Fedloan again and was told they stopped allowing married borrows to consolidate years ago. This was completely contrary to what the other representative told me. They said, I needed to resubmit an application and so did my husband. We each did this. This was on  XX/XX/XXXX . On  XX/XX/XXXX  we resubmitted yet ANOTHER IDR request form because I contacted Fedloan again ( again, since they had not gotten in touch with me and we were getting notices our payments were past due ) I called a representative who told me my husband could fill out a consolidation request form on studentloans.gov, which he did as well as submitting the proper paper documentation. I asked him what to do about my husbands overdue account which was past due. He told me no problem, there would be no penalty if we just instantly filled out and scanned a general forbearance request to cover the payment until the IDR/consolidation request was processed. We filled out and submitted/scanned AND mailed this form that very day. On  XX/XX/XXXX  Fedloan wrote my husband and told him his account was 21 days past due and " he had options, such as applying for forbearance ''. We had JUST submitted the request the day prior. We are concerned because we know we lose our rights after 30 days but we have been getting the runaround from Fedloan since early  XXXX  and every representative gives us a different story. Our credit score has been stellar but I 'm afraid of Fedloan ruining it. I contacted them again today to remind them of our  XX/XX/XXXX  forbearance request form and how they evidently ignored it since they wrote us a warning of a past due payment the day AFTER this form was submitted electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: CONTRACT CALLERS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Contract Callers Inc on  XXXX   XXXX ,   2017. The letter was forwarded to my new address from an address i no longer resided.
<P/>
Contract Callers Inc, is attempting to collect a debt that is NOT mine.
i request th    at Contract callers Inc. provide verification AND validation of this bill.
provide the name, amount owed, signature of contract, address, tenants of this rental property for this inaccurate utility debt, dates occupancy.

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 2017-06-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid  XXXX  directly and by law,  XXXX  recalled the account from Convergent. Convergent has no legal reason to report on my credit report. Convergent must delete.

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 2022-03-04
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite the multiple previous written requests, the unverified collections listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX ( Original Creditor : 11 XXXX  ) XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: I.Q. DATA INTERNATIONAL, 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 XXXX is fasely reporting a account that is related to my identity. I havent done any business nor signed any legal contacts with this company. The company refuses to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AL
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 was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian and XXXX The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent Account XXXXXXXX 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 Have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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