BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: NY
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:
My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX  XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX was paid off on XX/XX/2022. 
Three times payments on XX/XX/2022 for pay off. 

Payment confirmation numbers XXXX, XXXX and XXXX. ( see attached files ) Everything paid off, XXXX should update Paid off information to credit bureaus and should delivered title to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to contact to XXXX but they dont pick up phone call. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: AZ
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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and correction of the erronneous information reported on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following erroneous Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items corrected as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and correction of the erronneous information reported on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following erroneous Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX} DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX} DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On my previous mortgage with SunTrust which I refinanced to a new mortgage with SunTrust I had my sanitation taxes paid through my escrow. In my initial estimates of payments it was included to be escrowed but when it was time to close the loan it was left off. I made the inquire about why and I was instructed to just call in when I received the next bill and they would add it to the escrow payments. When the bill came in I call Suntrust Mortgage multiple time and spent hours on the phone attempting to get the bill paid. I was told multiple times that I would receive a call back from a supervisor and all the agent was able to do was put in a research request which takes around 3 weeks to complete. Finally I called and they paid the bill but it was late, I was assured that I would not be responsible for any late fees and it would be added to the escrow so I wouldnt have to go through the same battle in future years. I called today ( XXXX/XXXX/15 ) after receiving an escrow analysis, my sanitation tax was not added and they had me pay the late fee. I was told by agent ( XXXX, XXXX ) that there was nothing she could do, they paid the bill as a courtesy, I was responsible for the late fees and it would not be added for future payments. SunTrust mortgage customer service constantly says they will have a supervisor call you and they do not. I feel like I was lied to and deceived through the entire process. I would not recommend SunTrust to anyone as they do not appreciate loyal customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The Experian.com/upload site has given me error messages each time I have tried to upload supporting information on a credit dispute. The site only gives one other option to mail the information, It will not get there in time with the present mail problems. This is a big problem for anybody trying to resolve a dispute. There should be a way to email Experian with the problem I've encountered directly, but there is not. This has been an issue for a couple weeks now. It is as through they do not want the consumers supporting paperwork.You can attempt to upload something there, see how that goes for you. Experian needs to have a better way of submitting this, or they need to get their site working. I've recieved several error messages, saying I took to much time, that my PDF exceeded 15MB ( it was in the KB range ), that the system is down, and so on. different excuses on different days.

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 2015-08-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX military and after transferring from Maryland I could not sell my house due to its decline in value. I also could not refinance because it was considered an investment home. I requested a modification to make the payments more affordable. I showed financial hardship and for a year was given the runaround by ocwen for them to ultimately deny me the modification. Die to flood damage costs by the tenants and the tenants financial hardship, they were unable to make full payments. I was unableTo repair the home, make the mortgage payment and continue to pay the rent in the home my family of XXXX children currently lives in. I wasLate on the ocwen mortgage for a few months, less than three, during summer of 2014 while I was XXXX to the XXXX XXXX. Ocwen finally granted me a modification once I became delinquent on the payments. I have been current on all payments since XXXXOf 2014 yet ocwen continues to show that I 'm making late payments as recent as XXXX of 2014. This is affecting my ability to even rent a home and keep shelter of my families head because landlords are seeing the in accurate reflection. Ocwen has not positively worked to rectify this problem and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am being charged for the transaction of laptop which did not materialize XXXX {$1000.00} XXXX. Irony is I do not have the laptop also but still I am being charged for it. 

It seems the Citi bank is confused with the other transaction where the laptop was purchased but was returned back ( noisy fan ).

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 2022-08-29
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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've contacted EXperian previously about inaccurate and fraudulent information showing on my credit report. Experian is in deliberate violation of the Fair Credit Reporting Act. I have provided Experian with proof that they are reporting inaccurate information, but they chose to still report the inaccurate information.

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 2020-09-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I deposited a cheque of {$900.00} at Citi Bank through the mobile deposit. They then blocked my account after 3 days saying the cheque was fraudulent. I gave them the cheque issue 's name and number plus the address so that they can follow up. I called the issue of the cheque plus the issue 's bank and they said the cheque went through and that funds are available. Citibank said nonetheless they are closing the account after 60days and that funds will be mailed to my address. 60 days later nothing is forthcoming which elapsed on XXXX XX/XX/2020. We are now due by 26 days and Citibank has still not done anything despite persistent calls to them. 
I would like you to assist me recover my hard earned money from 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 2016-07-08
Company: BANK OF THE WEST
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had charges from XXXX in my bank statement from XXXX/XXXX/XXXX monthly thru XXXX/XXXX/XXXX the amount initially was {$12000.00} and the highest charge is {$150.00}. The total charges were {$1300.00}. I contacted the Bank and they contested the charges. The Bank representative indicated XXXX did not dispute the charges and credited back {$410.00} based on the 60 day liability but they recovered a bit more. The debit card in question had the XXXX charges and XXXX other charge for it 's life. I have never had insurance with XXXX. XXXX identified the account in question with the bank card number. XXXX would not assist me for confidentiality reasons even though the representative could see that the account was issued to another person. 

What are my options to have address fraudulent activity when the Bank and XXXX say have done all that they can do?

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 2022-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. This is a complaint about unfair business practices. 
I had two Capital One Credit Cards. I was paying monthly and my credit score was mid XXXX 's. The cards were stolen and used. I filed sheriff 's report and FTC Identity Theft reports. Payments were made by the thieves so card use could be continued, payments bounced, and the credit limit was exceeded. ( I yet to receive this information about the fraudulent payment method. ) I requested charges be removed but cards were charged off, balance reduced, and card debt was sold. The Capital One lady apologized and said there was nothing they could do. So now I have bad credit and law suits. I have been working on this for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I spoke to these people in XXXX of XXXX. I set up an arrangement using my debit card. My debit card was canceled due to fraud activity. I inadvertently neglected to call the debt collector and provide updated banking information. Today, XXXX/XXXX/XXXX, the company, XXXX XXXX, called. I explained that I was at work and I could not talk or make a payment. They pushed the matter and then got really nasty with me. XXXX XXXX XXXX threatened me with civil action if I did not pay. I said I was willing to settle this but could not do it at the moment because I was at work. He said " I 'm not calling you from a garage. I am at work too. '' I told him I did not appreciate his tone, and being rude was unnecessary. I asked for a number to call him back at. He provided me with XXXX. I want to note that this company called me from XXXX which is a NJ number. The XXXX number he provided is for NY 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 2023-01-31
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX at XXXX I spoke with a lady and asked to be sent a validation of debt along with the full payment history, her response was if you know it is your debt then why do you need this? I waited months and never received the requested forms. 

On XX/XX/XXXX at XXXX I request the same forms I also communicated with the guy about the above incident. He let me know he would send it up with a rush and I should have it in my email within XXXX if I do not to call back. I have requested these verification since XX/XX/XXXX it has been XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: HW Holding, Inc
State: MD
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 sent repeated request to XXXX  to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX  and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires.

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal is trying to stick me with a bogus chargeback. I have provided them with more than sufficient documentation to stop the chargeback from the credit card issuer of the purchaser, to include an email from the purchaser saying " I know there are no refunds '' and evidence that the purchaser acknowledged terms and conditions of the purchase, not once, but THREE times. 

PayPal has clearly not tried to fight the chargeback themselves and would rather push it off on me. 

Unacceptable!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the company by the name of Bank of America violated 15 USC 1681b-Permissible purposes of consumer reports law and also 15 USC 1681 ( 2 ) ( a ) ( i ) law. I have never given this company written instructions to report anything on my consumer 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 explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: PA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation