BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: WA
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:
Dear Equifax, I am writing to request a correction of the following information that appears on my Equifax consumer report : Dispute : Account Number or other information to identify account : XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX, INSTALLMENT, UNSECURED LOAN, INDIVIDUAL, OPEN, MONTHLY PAYMENT : {$400.00}, DATE OPENED : XX/XX/XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Dates associated with item being disputed : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Explanation of item being disputed : I would like to state that Equifax Is in violation of 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I have stated above the 10 accounts that are being furnished illegally on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed, I will not extend my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681. ( A ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to be furnished on my consumer report, it has caused me to lose confidence in the banking system. If Equifax wants To continue doing business with me, they should delete these inaccurate accounts off my consumer report. 


Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Experian Information Solutions 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:
XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. XXXX reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from XXXX and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.

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 2022-05-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX & XXXX. I placed two orders with two separate companies for products being sold on their website. I was going to use my PayPal account to pay for the purchases I was making. I was informed by both sellers that I should use the " Friends & Family " option for my payments, due to the some website transaction glitch on their end. I thought nothing suspicious at the time & made my purchases for {$280.00} from XXXX on XX/XX/XXXX. XX/XX/XXXX I was making a purchase from XXXX for {$370.00} & was informed of the " Friends & Family '' option as well. I was sent emails with my transaction purchases & given an email address to use as the recipient address for the payments. I made the transactions & sent the requested payment info to the sellers. I was informed that they would soon be processing my orders & would be sent an email with tracking # 's for the purchases. After 5 days I tried reaching out to both sellers. I got no response from either. I then contacted PayPal to report my account issues. I was informed that I was denied fraudulent status on both transactions because of the " Friends & Family '' option was used for the purchases. They never reached out to me for more information about the transactions. I saved all the back & forth emails from me and the 2 sellers as proof of the transactions being pushed as " Friends & Family ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While analyzing my credit I noticed a fraudulent account was opened using information of mines that was compromised last year. I've tried contacting transunion directly but after numerous attempts I have not been able to receive any help or services from them directly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other fee

Complaint:
on or around the XXXX of XXXX, I called Citi bank to discuss some return check fees that was accrued to my account. I have XXXX credit cards with Citi bank and for medical reason I lost two weeks of work and I did not have enough funds in my account when the payment came in. to my surprise, the bank keep trying over and over again to get the money and every single time they tried, they charge me XXXX dollars per time with out me authorizing the transaction. the bank is doing this fraudulent just to charge me return fees and profit themselves with my struggles, putting me in a worst financial crisis. there are XXXX XXXX return checks fee in one month just follow by every other day. I called the bank to discuss this issue but my conversation was fruitless. please, I urge Consumer Financial protection Bureau to thorough investigates Citi bank and refund me a total of {$250.00} dollars charge to my account as fraud. account number are as follow. ending in XXXX the XXXX credit cards belong to Citibank.

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 2020-06-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, Citizens Bank reported my auto loan 30 days late. In XX/XX/XXXXwe applied for a 3 payment  deferment because of Covid-19 and was approved. My job closed on XX/XX/XXXX and The 3 months covered were XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX with our next payment being XX/XX/XXXX. 
I contacted Citizens bank on XX/XX/XXXX by phone and a faxed request when I was informed that my credit had dropped by 90pts. The representative at the time said it would be corrected by the following Friday XX/XX/XXXX. I called in and no one could find my request and there were no notes in the system. i refaxed the same request and was told it could take a few days. I called today, XX/XX/XXXX and now the supervisor tells me it would take 30 days and the notes state that its only being reviewed. 

I would just like my account and credit score corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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:
I have disputed twice with Equifax in regards to a line of credit with XXXX in which Equifax claims they have verified this account with the source and updated their balance of {$49000.00}. Now I have a letter directly from XXXX that I submitted to Equifax in which it states a XXXX balance. Even after such proof, Equifax has failed to update the balance on their credit report. I have tried twice with them and it comes back verified. This is a neglect on Equifax part since they disregard the evidence provided to me directly from the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FRAUDULENT INQUIRIES DELETE IMMEDIATELY. 
Jpmcb card services XXXX, DE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX XXXX is saying I own them {$3100.00} from an account they have from XXXX XXXX credit card from XX/XX/2001 and is currently now taking {$300.00} out of pay check. I've called the company multiple times letting them know they are wrongfully taking money out of my paycheck, and that they have the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DIVERSIFIED ADJUSTMENTS at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX has been sending me collection notices in the amount of {$830.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a current customer of GM Financial. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: Convergent Resources, Inc.
State: KY
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 collection that wasn't even supposed to be mine is reporting to two different creditors with the same account number. I just paid it to resolve it on my credit but instead they have it labeled twice on the credit report and it is wrong. It should have never been mine but I just paid it because I thought that would help my credit because I don't have the time to look into it. Instead they reported it as two trade lines with separate companies which is wrong. On top of that, they didn't even put it in a dispute status when I disputed it with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for an American Express Green card in XXXX, 2015 under an online promotion that offered XXXX reward points after spending {$1000.00} in 3 months with a {$95.00} annual fee waived the first year. After meeting the spending requirements and noticing that I did not receive the signup bonus, I called in to American Express to inquire XX/XX/XXXX. American Express customer service told me that they did not have any record of me signing up under the promotion, but would escalate to their marketing team to investigate. It is now well over a month since I first called in and despite contacting American Express 5+ times, they have no information to give me and I have not yet received the bonus I signed up for. A household family member signed up for the same bonus on the same day using the same online promotion and received the bonus points. I met my end of the agreement for the signup bonus in meeting the spending requirements and now would like American Express to fulfill their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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:
I have submitted complaints to Experian regarding an entry on my credit report that is incorrect, as well as violations of the UCC and FCRA Regulation Z. Experian did not investigate my issues, did not provide me with any proof how they investigated them, merely stated that the entry was verified. 
I did not request that it be verified. I requested VALIDATION. In order to validate they would have to investigated and require proof from the company that is reporting. They did not. So now I believe Experian is now in violation as well. 
I tried to resolve this myself, and all I received was a phonecall from the company, when I requested resolution in writing. 
I discharge the amount owed on the account XX/XX/2018 and have proof I did. Not only did they not remove the item from my credit report, but there is still an open lawsuit which they refuse to move forward on, leaving my life and finances in limbo. 
They refuse to help me, they refuse to INVESTIGATE, I believe because the creditor is their customer, I am not. This is against my rights in disputing errors.

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 2021-11-19
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never notified me of attempt to collect a debt. This company is saying I owe {$XXXX} and the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
today I got a call at XXXX, yesterday XXXX. on XXXX XXXX. On XXXX. On XXXX XXXX. I have more records showing they consistently call XXXX times a day. They also leave multiple messages on the same day- for example I had a message at XXXX and again at XXXX which is against FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear XXXX, I 'm writing to report on the illegal close of my Home Equity Line account ( Account number XXXX ) with the Bank of America last month. 
Since I opened this account in 2015, I used it several times and paid all the balance back. I need this account in the future. 
I have contacted the Bank of America many times and was told to wait for 10 days for this account of mine to be reopened. However more than XXXX days have passed, I have not got my account back, yet. 
Please investigate what happened within the Bank of America and help me get my XXXX XXXX XXXX account back. 
Thank you! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I refinanced some of my student loans from Navient ( originally XXXX XXXX ) using XXXX student loan refinance option a few years ago. I gave instructions on which loans to pay off because the interest rates are different and I did n't want to pay more interest through XXXX for certain loans that had lower interest rates through Navient, but was unable to control how the payment was applied due to the way that Navient breaks down each loan ( they use XXXX account number for all of the loans, and each loan has different interest rates ). Payment from XXXX ended up getting evenly distributed to each loan instead of being distributed to the specific loans I wanted to eliminate. I had intended on paying off the loans with the highest balances and highest interest, and wanted to keep the lower interest loans through Navient. Instead, the payment was applied to each loan, leaving me with a bunch of smaller loans ( each of which has interest that gets compounded daily, costing me more in the long run ). Having several small loans on my credit report inhibited me from being able to buy property because it appears to be too risky of an investment for mortgage companies. I also previously had a lot of trouble negotiating with Navient and XXXX XXXX when trying to consolidate, refinance, or change my payment option. They ended up talking me into deferment instead of changing my payment plan to a more reasonable/affordable amount. I was paying over {$600.00} a month total between all of the separate loans, and they said I did n't qualify to lower my monthly payments because each minimum monthly payment amount was relatively low individually. With XXXX loans total ( XXXX loans distributed per semester ), small payments of {$50.00} each adds up fast when you look at the figures as a whole. I saw in the news today that Navient is being sued yet again for their fraudulent practices and would like to share my experience in order to prevent more students from being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: U.S. Auto Sales Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After paying US AUTO SALE {$400.00} a month since XX/XX/XXXX. The XXXX XXXX XXXX that was purchased for XXXX equal XXXX, XXXX. I would call the automated system to make the payment. The representative informed that it didn't include the insurance payment. After making a balloon insure payment of {$900.00} I was once again back on track. Asked the company for a pay off on the loan back in XXXX representative said that it was XXXX to pay off the car. I called back again in XXXX asked for a pay off on the same care it was XXXX. I have paid for this car twice and they still came an repossessed the car after I was supposed to be on an deferment. This is the most illegal company I have ever did business with. Please assist the car is still showing as an outstanding balance of XXXX on my credit report after vehicle was sold at auction. Monthly payment on credit report is XXXX which is not the terms agreed a pond and car report for loan listed at XXXX terms also not agreed a pond

Company response to consumer: Closed with explanation