BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every time I make a payment on my Citi card they tell me it has been applied to my balance. However, it is actually placed on hold for over 10 days so that they can verify the funds. I was told by Citi that this is an incredibly rare occurrence and that is a result of 1 ) the card being new ( it was opened in XXXX ) 2 ) the payments are large which triggers a fraud alert ( the largest payment has been a little over {$400.00} ) and 3 ) because I make more than one payment within the billing cycle ( this is true, I make a payment each time I get paid, so approximately every two weeks ). 

This is not incredibly rare but actually happens after every single payment, resulting in me not being able to access my money for 10+ days. Most recently, they put a hold on a {$330.00} payment that I made on XX/XX/XXXX. Funds left my bank account on XX/XX/XXXX. XX/XX/XXXX was a XXXX  XX/XX/XXXX was a XXXX Citi received funds the next business day, as they always have. 

My wife also makes payments throughout the billing cycle, as do many of her friends and colleagues. Her funds are not held for 10 days. The main difference between my wife, her friends, and me, is that I am XXXX and my last name makes that obvious. 

I have never once, since opening this card ( or at any point in recent memory ) had a payment not go through. My credit score is above XXXX. There is zero reason for them to still believe they will not receive their money. 

Citi is profiling me based on my name and assuming I dont have funds since I am a XXXX. This is egregious and appalling. There is no excuse for this XXXX XXXX and profiling. 

Citi is holding my money for 10+ days every single time, and making it so that I cant use my card nor can I access the cash Ive given them to make purchases.

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 2022-05-04
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a loan originally for just over $ XXXX. It ballooned to over XXXX. I have paid in excess of {$7000.00} to this company. My balance is still over $ XXXX. I WILL NOT pay this company {$42000.00} to pay off a {$9000.00} loan. That is unethical, predatory, and extortion. I have repeatedly tried to get a better rate, to change my payment plan, to find some sort of remedy so I am not getting extorted by this company. They only tell me to pay more money each month. That is an unacceptable answer from a financial institution. This company is a fraud. They can offer no remediation. This needs to stop today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I contacted company because they took money from my wifes bank account. They agreed to stop this and refund money that was withdrawn.Still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-08-23
Company: EQUIFAX, INC.
State: CO
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 reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fraud was commuted on my bank account with capital one XXXX was charged within 72 hrs and the bank denied my claim of fraud even though the merchandise wasnt mailed or ordered by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Security Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call from a debt collector representing Security Credit Services. The debt collector informed me that I owe them {$1800.00}. Not having any knowledge of this debt, I asked the debt collector to send me either a contract or/and accounting records that prove this debt belongs to me. Hence, I was told that said records would be sent to me and that it would be marked on my file that I have no knowledge of this debt. Thus, further collection attempts should have ceased until the debt could be verified. 

Today, on XX/XX/XXXX, I received another call from a debt collector representing Security Credit Services asking me to pay the {$1800.00} that is claimed to be owed. Keep in mind, I still haven't received any documents from this company that verify this debt belongs to me despite the previous agent telling me that the records would be provided. 

Lastly, this alleged debt is being reported on my credit report ( s ) and I disputed the debt in XXXX asking for debt VERIFICATION. That being said, I have asked this company for verification of this debt three times ( once in writing and two times over the phone ). Despite all of this, verification of the debt has not been provided and the company continues to negatively affect my credit score and contact me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I did not consent to these inquiries and they need to be removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. It is my understanding that you will check these items with the person who has posted them. Please remove any information that the you can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period. 
You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 


-- - 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 explanation
Consumer complaint received 2023-11-29
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Dispute of Transworld Systems Inc Dear Sir/Madam, I am writing to dispute the collection activities conducted by Transworld Systems Inc. regarding an alleged debt. My name is XXXX XXXX, and I would like to formally express my concerns regarding the handling of this matter. 
On XX/XX/2023, I received a call from Transworld Systems Inc. for the first and, as I insist, last time. During the call, I requested that all future communication be conducted through written correspondence, specifically via mail. Despite clearly stating my preferred method of communication, Transworld Systems Inc. failed to honor my request and instead proceeded to report my information to the credit reporting agencies. 
I wish to emphasize that I have not received any written notices or correspondence from Transworld Systems Inc. regarding this alleged debt. As such, I have been denied the opportunity to verify the validity of the debt, as well as the chance to address any potential errors or discrepancies. 
Given the circumstances, I hereby dispute the collection activities conducted by Transworld Systems Inc. and request that you conduct a thorough investigation into this matter. I kindly ask that you provide me with the following information : 1. Detailed documentation regarding the alleged debt, including the original creditor, the account number, and the outstanding balance. 
2. Verification of the accuracy and legitimacy of the debt, including proof of any contracts or agreements that demonstrate my obligation to pay. 
3. Confirmation that Transworld Systems Inc. has complied with all relevant laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ), in their collection efforts. 
It is imperative that the credit reporting agencies take immediate action to ensure the accuracy and fairness of the information contained in my credit report. I request that you place a temporary hold on any negative reporting related to this disputed account until a thorough investigation has been completed. 
I look forward to a prompt resolution of this dispute, as well as the removal of any inaccurate or unjust information from my credit report. I trust that you will handle this matter with the utmost professionalism and integrity. 

Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I pulled my credit report to see a collection account from Cedars Business Services with a balance of {$2100.00} listed. I have absolutely no knowledge of this debt or company. On XX/XX/2021 I drafted a validation letter requesting they provide me with competent physical evidence that I had any legal obligation to pay their company. On XX/XX/2021 I sent my validation letter out via USPS Certified mail, after tracking my letter I see the company received it on XX/XX/2021. Under the FDCPA laws Cedars Business Services has failed to responded to my validation letter in the legal allotted time which is 30 days of receipt. Cedars Business Services has also violated my consumer rights under the FCRA & FDCPA by continuing to report negative information to the credit reporting agencies causing a detriment to my personal credit while in the process of disputing this information. FCRA & FDCPA states that if the debt is not validated in the 30 day period this account is now deemed false & unverifiable. They also require the account to be deleted from all major credit reporting agencies immediately with a copy of such deletion sent directly to 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 2021-07-25
Company: Experian Information Solutions Inc.
State: DE
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:
My complaint is with Experian Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what Experian is reporting. Experian is reporting my account as late on my monthly payments and shows XX/XX/XXXX. My payments for child support come out of my check weekly. I am submitting this once again Showing that all payments were on time and are current on monthly payments. Experian says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my monthly payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back months later. It has hurt my ability to obtain credit. I have filed complaint with Experian 3 times always getting answer verified as the same answer. This is false info. I have submitted all documents proving my case. If they took the time to look at these documents.. They would see they are from the same agency Attorney General of Texas which they said they verified it with. And these show my payments on time with payment dates. which means they didn't verify it as true. And these documents are admissible in a court of law. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over and over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. If it isn't I will retain legal representation to uphold my rights according to the fair credit act.. I have documents of payments being current that is admissible in a court of law. Once again if they would look at these documents they would see they are reporting wrong info. These are documents admissible in court of law which show my monthly payments up to date. Up to XX/XX/XXXX with no late monthly payments. I am also submitting copy my driver license for ID. Once again these documents show my monthly payments are on time which means they did not verify the payments as current. My social security number is in documents

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 2022-06-18
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-06-21
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 would like to complaint about the fraudulent items which are still appear on my credit report. I think someone stolen my identity and opened my accounts without my permission or authority. This is an unauthorized items. Please remove the fraudulent items right after I send this complain and I hope you have time to review this issue. Based on Fair Credit Reporting Act Section 605B, It was the responsibility of the 3 credit bureaus to check then remove those items which are negative on the owners account. So I am mentioning these following items for you to help me remove these right away : 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 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 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 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 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 explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation