BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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:
An old XXXX XXXX account 1 ) appears on my credit report despite bein well past the 7 year reporting window since it was charged off, 2 ) has been updated to report a balance due despite having been charged off AND being many years beyond the 4 year statute of limitations since the charge off, and 3 ) has been repeatedly unlawfully re-aged. My most recent dispute was concluded after the investigation with Experian re-aging the account yet again. Indeed, I received an alert from Experian reporting that I have a recent late payment and balance due of {$930.00}. More details : I disputed these erroneous entries but Experian maintained them so I again disputed, having to send everything by postal mail because Experian was unwilling to allow me to dispute online. Nevertheless, the latest dispute investigation concluded with Experian adding yet another re-aging, the very thing I had complained about. I have attached the actual Experian documentation. A cursory review of the account history evidences that the account has been re-aged, including by omitting data and then reporting charge off to display again. For example, examine XXXX and XXXX. Moreover, as mentioned at the outset, this account is beyond the 7 year reporting period because

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 2020-03-31
Company: EQUIFAX, INC.
State: PA
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:
The investigation has not been completed. It has been well over 30 days and I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a letter addressed to my husband XXXX XXXX XXXX letter says XXXX XXXX XXXX XXXX, stating we owe a debt to capital one bank. We do not have an account with Capital one. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On  XX/XX/2017    I contacted  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , AND  XXXX   XXXX    XXXX    XXXX  in order to remove hard inquiries that was placed on my credit report by these companies and no one could help me as they do not know what the process is in order to remove them. I disputed them online through Equifax and was told that I needed to contact the creditors directly but they was of no help at all. I need these  XXXX  hard inquiries removed from my credit report. Equifax told me that they could not personally remove these inquiries and each of the creditors told me that they could not remove these inquiries and that Equifax has to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX XXXX XXXX Card XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX BANK XXXX/XXXX/XXXX Banking XXXX CARD SVC XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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 2020-03-31
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX and Firstmark Services can not produce original documents of final disclosure for private student loan from XX/XX/XXXX. The charge of amount is incorrect, the percentages are fraudulent. When I asked for final disclosure papers all they gave me was transaction history. The dates are also wrong. I graduated in XX/XX/XXXX. They have been reporting invalid dates. When I go to open up the final disclosure from my email they have blocked this document. I would like for this document produced. I have asked many times before over the years and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Received a credit monitoring alert stating that a charged-off account was placed on my Experian credit report ( XXXX XXXX , XXXX | Account # XXXX ) as of XX/XX/2020. This account was previously re-investigated by Experian and deleted from my Experian credit report as reflected on my XX/XX/2020 credit report ( Report # XXXX ). Subsequent credit reports of XX/XX/2020 ( Report # XXXX ) and XX/XX/2020 ( Report # XXXX ) continued to show this account item deleted from my credit file ( see attached credit reports ). Now this item has been reinserted on my credit report in violation of the FCRA.

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 2017-03-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We contacted CitiMortgage to get a payoff balance and to dispute late fees from XXXX XXXX Mortgage who was the original holder of our mortgage. We had a loan with XXXX XXXX Mortgage and the loan was purchased by CitiMortage. XXXX XXXX Mortgage no longer exists. We are disputing late fees charged by the XXXX XXXX for payments that they received before the XXXX of the month. We asked CitiMortgage for an itemizing of {$2600.00} in late fees ( XXXX from CitiMortgage and all others from XXXX XXXX Mortgage ) to show that we owed these fees to XXXX XXXX Mortgage. We received the documentation but did not understand how to read the report. We called and sent XXXX faxes to CitiMortgage asking for an explanation of the late fees. The company kept sending us an explanation of a temporary optional product payment. Finally after months of trying to receive an explanation, a supervisor, decided to listen to our complaint concerning the information we received from CitiMortgage. After explaining the reports and looking at the dates of the payments, the supervisor understood why we were disputing the late fee charges and submitted the documentation for someone to look because of the dispute of the payment dates. The company is now asking for our credit report for these years during the time the XXXX had the mortgage. The credit report will not prove anything because XXXX XXXX charged us for being late which its records bear out, therefore the company also reported the payments as being late on our credit report. The husband does not have the orginal documentation from XXXX XXXX but told the CITIMORTGAE that his payment booklet had a date for the amount due prior to the XXXX of the month and an amount due after the XXXX of the month. We owe possibly XXXX payments and have been at this process for over a year. My husband is retiring and we have been trying to pay off this debt but CitiMortgage keeps refusing to address the issue of our disputing the charges from the other company.

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 2020-03-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citizens one and XXXX XXXX can not produce original documents of final disclosure for private student loan from XX/XX/XXXX. The charge of amount is incorrect, the percentages are fraudulent. When I asked for final disclosure papers all they gave me was transaction history. The dates are also wrong. I graduated in XX/XX/XXXX. They have been reporting invalid dates. When I go to open up the final disclosure from my email they have blocked this document. I would like for this document produced. I have asked many times before over the years and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: MO
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:
My credit report is reporting inaccurate information. XXXX  and Equifax are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. XXXX  is reporting a Date Opened of XXXX and Equifax is reporting a Date Opened of XXXX. XXXX  is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, Equifax is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX  and Equifax are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I only have access to my Best Buy credit card statements from XXXX and XXXX, but I was charged a monthly debt protection fee for my purchases. I made a major purchase on this card for a TV around that time, and used my card to pay for it because of the 0 % financing plan they offered. To the best of my knowledge, I was given no option to select this debt protection fee - as I would, say, an extended warranty - at the time of purchase. I was only made aware of this due to a discrepancy between the outstanding total on the Best Buy credit card site and the You Need A Budget app I was trying to sync it with, which led to my being made aware of this to begin with. 

This fee shows up in my statement as " XXXX, '' and after a brief phone call with Best Buy this morning I was able to opt out. However, according to my statements, in XXXX I this fee totaled {$69.00}, and {$92.00} thus far in XXXX. The monthly amount varies but, after further research, I have read that this fee is approximately {$0.00} per {$100.00} credited - which lines up to with the cost of the attributed TV purchase.

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 2015-09-21
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have a home equity loan with CitiMortgage. A few years ago the bank advised that we were in a flood zone and to submit proof of flood insurance. We complied although our first mortgage serviced by XXXX stated we were not in a flood zone but escrowed for us anyway. Now our first mortgage is serviced by XXXX that refuses to escrow for the flood insurance because they state we are not in a flood zone. We would like citimortgage to look at the flood maps in our area and provide proof of the home being in a flood zone because XXXX other banking organizations agree that we are not in a flood zone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Credit Karma, LLC
State: IA
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:
On XX/XX/2020 President Trump signed the coronavirus stimulas bill, while I don't know exactly what the wording in the bill states, however there is something in it that has to do with credit scores being negatively affected due to the pandemic and how it should not happen during this crisis. I've been hugely affected so I got a credit card with a small limit to help for the time being. My new credit report came out on XX/XX/2020 and my credit scored dropped 40 points. I can't understand why credit reporting agencies feel like they have the power of God over people and how they report our credit to lenders. I've been fighting tooth and nail for over a year to bring my credit scores up but I can't seem to make any headway even though for the past 12 months I've never missed a payment on anything let alone be late, however I can not get my score past XXXX and a drop of 40 points for getting a new card during a crisis should be a criminal offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an account at Wells Fargo Bank approximately XX/XX/2017. On XX/XX/2017 I went into the branch bank on XXXX XXXX in XXXX, Virginia to deposit my paycheck. The check was for {$610.00}, and I was told I would be allowed to receive {$100.00} and the remaining {$510.00} was deposited into my account with a hold on the money until XX/XX/2017. My account shows that the deposit of {$510.00} was made at XXXX on XX/XX/XXXX. A deposit of {$300.00} was made this same date at XXXX I did not authorize the deposit of {$300.00}. I checked my statement on XX/XX/2017 and the bank had removed {$510.00} from my account without me being advised of the withdrawal. The reason showing on my statement online was " {$510.00} deposited in error, transaction reversed. '' I called the bank and talked with XXXX XXXX and was given the name and number for XXXX in the Research Department. I called XXXX and was told they would research the problem, and that it would take up to five business days. I waited the five days, and called and spoke with XXXX XXXX. XXXX XXXX told me the case was closed, because the check had been deposited by telephone, and at the branch also. I advised XXXX XXXX that I did not make a deposit by phone, but did make an in-person deposit at the bank on XXXX XXXX. I asked my mother, XXXX XXXX, to be an advocate for me in dealing with this problem with the bank. XXXX XXXX called the bank and spoke with XXXX XXXX inquiring as to how she could discuss my account with a bank representative. XXXX XXXX first told XXXX XXXX she would need to be put on my account, but later said she checked with her manager, XXXX XXXX XXXX and was advised that XXXX XXXX could accompany me to the bank to discuss the situation. On XX/XX/2017 XXXX XXXX and I met with the branch manager of Wells Fargo on XXXX XXXX in XXXX, Va., XXXX XXXX. See attached documents pertaining to this meeting. You may remove any names and account numbers to use the document as a website posting if needed.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/2020 President Trump signed the coronavirus stimulas bill, while I don't know exactly what the wording in the bill states, however there is something in it that has to do with credit scores being negatively affected due to the pandemic and how it should not happen during this crisis. I've been hugely affected so I got a credit card with a small limit to help for the time being. My new credit report came out on XX/XX/2020 and my credit scored dropped 40 points. I can't understand why credit reporting agencies feel like they have the power of God over people and how they report our credit to lenders. I've been fighting tooth and nail for over a year to bring my credit scores up but I can't seem to make any headway even though for the past 12 months I've never missed a payment on anything let alone be late, however I can not get my score past XXXX and a drop of 40 points for getting a new card during a crisis should be a criminal offense.

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 2015-12-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
After contacting Equifax to get a dispute taken care of, my name was changed by them because a collection agency told them the name on the account was wrong. They sent them no proof, just said that they knew it was wrong because of the account name they had. When I received the results from Equifax and noticed this, I called Equifax to try to get the name put back on there correctly. They stated that they had to have proof from me ( copy of driver 's license, social security card, passport, etc. ) before they could changed the name. I asked them if they had proof from the collection agency that my name was what they changed it to and they said no but that they had to have the correct name to report to them. When I called back in XXXX, 2015 they had XXXX separate names listed. I told them then that XXXX of the names was wrong and was never my name. They said ok, XXXX names would stay. I accepted that because I was n't sending them anything through the mail for proof. When I received this new information on XXXX/XXXX/15, the other name ( which was the correct name ) had been taken off entirely. I requested that Equifax put the correct name back on there and they said they could not do so without sending the proof mentioned above. Again, I asked how a collection agency could change my name without this information when, I, the account holder could not change it without this information. They said they must have proof from information they had. I stated then they did n't have proof or they should have shown it to them ( Equifax ) as well. They refuse to change my name without these copies and I refuse to send it to them because I do n't want it falling into the wrong hands. 

It is up to them to prove why they changed my name. I have had no problems with any other credit reporting agency. I have no problem sending this information to a legitimate company but do not know why I should have to prove who I am when the collection agency had NO RIGHT to change my name in the first place. They had the correct name on the account when I called in to dispute the last problem. They should have NEVER taken it off without contacting me, either by mail or e-mail. 

I would like to have the correct name put on there and the other removed in its entirety. Please advise what my options are. Like I said earlier, they are the ones that removed the name WITHOUT MY PERMISSION and without any proof.

Company response to consumer: Closed with explanation