BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Disputes were filed with all three credit bureaus, outlining my issues. XXXX removed the Collections Account after verifying that the terms with the original creditor were invalid and illegal, however XXXX and Equifax merely validated that the original account was mine. I explained to XXXX and Equifax that the issue was n't that the account did n't belong to me, but that charges and contracts were added to the account that had not been agreed upon. Information is as follows : Original Creditor : XXXX XXXX added a contract onto my account after I explicitly told them I did n't want one. XXXX has record of this, but claims I agreed to a contract when I called to remove phone service. I told them that due to me only remaining in the area for a few months, I COULD NOT have a contract on my account since XXXX did n't service my new location. XXXX went into my account a month later and illegally added a contract to my account without ever notifying me. When I went to terminate my services there was no mention of a contract or early termination fees ; they even told me that I would be receiving a credit on my account! After receiving the final statement two weeks later, I found an early termination fee and a non-returned equipment fee. I called customer service and the representative told me that they would waive the fees, since a contract had never been agreed upon. ( This is all in my account notes and recorded phone calls that XXXX will not release to me. ) Two months later, I received a letter from the first collection agency due to the aforementioned and allegedly removed fees. XXXX had gone back into my account and re-added the fees, claiming the CSR who removed the fees did n't have authorization to do so. This debt has been passed to XXXX different collection agencies and successfully disputed each time. XXXX and Equifax refuse to look into these details outlining the illegality and illegitimacy of this account. Furthermore, XXXX is reporting this account as 90 days late, even though I NEVER had an agreement with XXXX XXXX, or any other collection agency. 

Disputes with these credit bureaus have gone nowhere, since the bureaus refuse to do anything more than validate ownership. I have never been late on any account, and have never missed any payments. I monitor my credit very closely, so it 's appalling to have this matter treated so lackadaisically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2020 - account with XXXX was pu on pause ( meaning no automatic payments would be withdrawn XXXX XX/XX/2020 - account with XXXX was cancelled, despite account being cancelled and on pause, merchant took reoccurring fee XX/XX/2020 - contacted XXXX about fraudulent fee - merchant said they cant do refunds XX/XX/2020 - informed XXXX that fraudulent charge would be disputed with bank XX/XX/2020 - Bank reversed charge and began investigation XX/XX/2020 - XXXX provided all communication to bank showing pause and cancellation as well as fraudulent withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent certified letters to the credit bureaus as well as the creditor. They both responded that the information is being reported correctly. The delinquent accounts were paid over a year ago and the creditors agree there is not balance yet the items are still showing delinquent at the credit bureaus. XXXX loans with XXXX and XXXX account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Did not open a loan in 2009 with XXXX. Nor did I co sign for anyone.Also, I never had a XXXX account. No mail for me has Ever been give that address on my behalf. Found out that it belongs to my ex husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid an account with XXXX XXXX XXXX. I submitted the paid receipt to Equifax ( attached ) and they left the balance on the account. This is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt in question is invalid as the equipment that they claim they are charging for WAS returned. When I filed a dispute with the credit reporting bureaus this was removed from my account. Per the dispute it was marked that the items were returned and the account balance owed was {$0.00}. 

The collection agency responded by sending me a fraud packet in the mail ( which I did NOT fill out since this was NOT fraud ) and putting fraud alerts on my credit accounts with the bureaus without my authorization which has caused me numerous headaches trying to get them removed and causing me headaches with banking and other financial matters.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-09-01
Company: PNC Bank N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
I have been trying to get this fixed for months now I Called BBVA XXXX regarding fixing this matter that I have regarding they reporting 2 late payments on my credit report that they did in error the first one was XX/XX/2021 and the second one is XX/XX/2021 i have never been 30 days on this account. What happen is someone used my account and bbva closed that ACCOUNT and opened a new one for me but they kept trying to pull from the old account and they call me and tell me im past due when the money has been in the new account the whole time. They do not talk to their other departments so i took matters into my own hands i filed a complaint with XXXX XXXX XXXX and i got a call from XXXX XXXX OPERATIONS ANALYST XXXX I finally got to speak to her today XX/XX/2021 and i told her what the issue is and what needs to be done she tried to hit me with the fair credit reporting act laws regarding a late 30 day payment that they caused and are admitting to but saying that i can file a dispute with the bureau and i told her the bureau is going to tell me you guys have to fix the issue not them. she then told me she will put in the request regarding the late 30 days but its not promise that they will fix the issue they caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I transferred {$500.00} to my Citizens Bank checking account on or about XXXX/XXXX/16. When I withdrew {$200.00} on XXXX/XXXX/16, the balance reflected at the ATM machine was {$440.00}. 
One day later, my balance reflected - {$53.00}, and a {$35.00} fee was assessed as an overdraft charge. 
When I messaged Citizens Bank online, " XXXX XXXX '' informed me that the {$500.00} did not show up in my account until XXXX/XXXX/16, and that the {$35.00} fee would not be waived. However, as I checked my account balance at the ATM ( Citizens Bank 's own ATM machine! ) and it was over {$600.00}, I do not believe a {$35.00} fee should have been assessed. I am happy to file a XXXX or any other complaint as needed to achieve this refund, as the fee assessed was clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied XX/XX/2020 for a forbearance extension due to financial impact of covid 19. Never received an update after repeated calls and messages. Was then sent a letter of intent to foreclose after missing XXXX and XXXX payments. I received the notice of intent on XX/XX/XXXX. I then called Rushmore again requesting assistance. I was sent an application to complete and documents to submit. I submitted a complete package received XX/XX/XXXX and have made several calls requesting an update and keep being told it is under review and should have an answer in 10 business days which have passed and it is beyond 10 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XX/XX/XXXX under the debt collector XXXX XXXX. It was deleted again under XXXX XXXX XXXX. Now this debt has resurfaced again on my credit report under Enhanced Recovery Company. Neither XXXX nor XXXX has notified me within the required five ( 5 ) days of re-inserting this XXXX deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: Big Picture Loans, LLC
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I borrows {$1000.00} from Castle Payday and I have pay back {$1000.00} and the are saying that I have to pay back {$8700.00} to get out of this, The finance Charge are {$7700.00}, When I first ask for a loan it was for {$10000.00} and that was not ok so they sent me the {$1000.00} and starter taken out {$500.00} a month, they have taken the {$1000.00} out my bank, so can you help me because I do n't have that type of money I ret.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Express Recovery Services, 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:
I am writing to EXPRESS RECOVERY agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting EXPRESS RECOVERY agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Williams & Fudge, Inc
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attended XXXX University almost 10 years ago. My students loans were taken out in my name by my mother and not by myself. I did n't know about these loans or agree to them. I found out about the loans after she passed away and now they want to make me responsible for them. 3 years ago I joined the United States XXXX and am trying to go back to school while I serve as a XXXX. I contacted XXXX University to request my transcripts be sent to my new school. They say that they cant release my transcripts until I pay them {$1500.00} which is not possible at this time. I even asked if I could start a payment plan and I was told it had to be paid in full. I even stated that these transcripts are for military purposes and they still refuse to help and send the transcript. They say that they greatly appreciate what our service members do for this country and love helping out, yet they want me to pay {$1500.00} for a {$6.00} transcript and all this is so that I can do the right thing and continue my education to obtain a degree and become an officer in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is trying to collect {$170.00} for a XXXX received that I purchased at XXXX XXXX. XXXX claims that I leased the receiver from them, however, XXXX and their agents have failed to substantiate their claim. They have ignored my written and verbal communication and continue to use harassment tactics to collect money on an unsubstantiated claim.

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 2020-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is once again sending mailed mortgage statements too late to make a timely payment by mail, thereby collecting a few days of extra interest from every customer effected by this practice. When I spoke to customer service, their only remedy was setting up auto payments. It was explained that statements are mailed our on the XXXX of the month, thus insuring one will never be able to mail back a payment by the XXXX to avoid being charged extra interest. Giving open access to one 's bank account to a company this underhanded does not seem wise, but it appears B of A is attempting to force people into either doing that, or accepting that they've set up this system in order to collect extra interest when mailed payments arrive a few days late. Multiplying this extra interest they're collecting by the number of mortgage payers must mean an incredible boon to B of A, at the extra expense of their customers. Surely that can't be legal.

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 2017-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA XXXX It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: ERC
State: MN
Product: Credit card
Issue: Other

Complaint:
I have recently apply for a mortgage and I was informed that there is negative or derogatory account reference ERC. I Received a phone Call from ERC for a debt they calm i owe for my XXXX account. I wrote a written request for validation with my signature for this account and not succeeded in respond from them and still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus. I request for validation with my signature or timely remove the their record from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
For the past two months, there has been issues with the Walmart card purchases have made that I have not made or the statement is wrong. I went to Walmart twice in XXXX and I was charged twice for a purchase, I called and told customer service I did not make {$19.00}. Now I made another purchase for {$14.00} and now I am charged {$16.00} for a purchase I have not made. 

There is an issue with Walmart 's credit card charging me with purchases I have not made and it is time-consuming to call when there is an issue on a constant basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a certified dispute letter on XX/XX/2020 notifying your failure to provide the credit bureaus of my notice of dispute. This shows that you did not investigate my concern. The item being reported is completely inaccurate and needs to be removed immediately. I have provided a copy of the certified letter and my dated credit report showing your failure to follow 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