BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me, it is the result of identity theft.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After a frustrating phone call with a Macy 's customer service representative, I am submitting this complaint as precursor to a legal resolution against Macy 's credit card services. On XXXX XXXX, I requested a reduction in my Macy 's credit card interest rate which is currently at 30.99 %. The request was due to my call to XXXX XXXX as a XXXX XXXX XXXXe solider. The debt and high interest rate is negatively impacting my ability to do my job as leader in the XXXX XXXX. 

I have federal legal protections under the service member 's civil relief act ( SCRA ) that require lenders to lower the interest rate of a service member 's debt they aquired prior to their XXXX XXXX period. My request for an interest rate reduction under XXXX was denied by Macy 's. Further, Macy 's does not have an option to submit a request for SCRA protection as most lender do. They require customers to speak to foreign service representatives that may pose a fiancial security risk to actively serving members of the armed forces and who make simple transactions difficult due to their poor understanding and use of XXXX. 

I have limited time to handle finacial matters because of my XXXX XXXX status and would like this matter to be ajudicated as soon as possible.

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 monetary relief
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2021 sent initial dispute requesting for the bureaus to verify some accounts and shows that the investigation never took place. I know that the investigation never took place for XXXX XXXX and XXXX XXXX because it does not show in the comments that this account was ever under investigation nor does the status update shows that it was ever investigated. Then on XX/XX/XXXX sent another set of disputes requesting information on these accounts which are attached below and never shows updated for the status or in comments. The Bureaus are definitely in direct violation and at this point due to passing he timeframe allowed for the investigations, I'm requesting for deletion. Attached is proof that these accounts were disputed but never investigate. If the bureaus choose to now try an investigate these accounts I would like documentation and method of investigation and contact information. 
Also attach is my DRIVER 'S LICENSE AND PROOF OF RESIDENCE, with this information and complaint I am giving full authorization to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: The Outsource Group, 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: Problem with personal statement of dispute

Complaint:
Contacted the collector on XX/XX/XXXX was told there was medical collection account from XXXX, reported in XX/XX/XXXX. Advised never received correspondence, they verified my address said their envelopes are blank and the name of their company is not visible therefore do not know it's medical collection statement. I was told if it was paid in full would be deleted. I paid {$310.00} the same day, however they have marked it as paid closed vs deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since Nationstar Mortgage became Mr. Cooper in XX/XX/XXXX no one, even my Dedicated Loan Specialist tries to reach out to me, instead I received a foreclosure sale notices and again just received one that my house is going to be foreclosed on XX/XX/XXXX. In the letter, the foreclosure sale notice I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of sale, as published in XXXX XXXX XXXXXXXX. That claim is false because I could not find the foreclosure sale that was claimed to have been published in XXXX XXXX   XXXX. I have been trying very hard to make Mr. Cooper to modify my loan which I applied for in XX/XX/XXXX which is yet to be modified. Nationstar Mortgage, now Mr. Cooper has refused since XX/XX/XXXX to modify my loan without giving me any valid reason ( s ) for their refusal to modify my HAMP LOAN MODIFICATION that I applied for, was eligible and qualified for in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have asked for my promissory multiple times and received them after I paid off my loans. Once I started to review them, they incorrectly have been charging me on one of my loans regarding principle balance. I have confirmed with the University and the gave me check numbers to help dispute this with Navient this loan. I have called their customer service department several times only to be told they cant help me since that is what they show for on their records. They finally offered several calls to transfer me to their fraud department. I have been transferred over twice only to be on hold/ no one ever picks up or have been told that they are currently closed and I must call back tomorrow. They have reported incorrectly to my credit report along with receiving overpayments since 2007. Navient is making this impossible to recover cost from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Account information incorrect

Complaint:
I have reached out to the company requesting that the account be removed. The company is reporting two different accounts on my credit report when it should be one because they are the same. company has yet to remove the account that they are reporting in error which is negatively impacting my credit score.

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 2018-08-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email that a dispute I filed yesterday with Equifax was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on Equifax website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me.

She then gave an email address that is invalid. I attempted to live chat with several more agents on Equifax website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TrueAccord Corp.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Addendum : I have disputed the debt in writing through the XXXX XXXX XXXX XXXX and TrueAccord acknowledge the dispute through their response, as I have said in my dispute, the debt collector. ( i.e ) TrueAccord was instructed to contact the District Attorney 's Office and they have declined/refused. This is in  correspondence legally and accordingly with the Fair Debt Collection Practices Act ( FDCPA ) the burden of proof in verifying the debt is the sole responsibility of TrueAccord and my attorney resolved this matter during the court proceedings for the identity theft. 

If TrueAccord seeks to continue the debt collection, I must receive verification from TrueAccord of the original owner of the debt in writing in less than ( 30days ) from the original owner of the ( debt ) including the following ( invoices, signature verification, services rendered, payment methods, proof of identity was presented. ) TrueAccord havs stated in their own admission correspondence to the XXXX of Greater XXXX XXXX they on XXXX and XXXX, ( True Accord ) do not own the account that was placed with them and they do not have the verfication orginial documents. 

Through Truce Accords own admission, they are refusing to verify the debt allegations through my city 's District Attorney 's Office Freedom of Information Act ( FOIA ) which states this debt is not mine due to stolen identity. 

TrueAccord is required by law to send the debt back to the original company which they state is XXXX XXXX XXXX XXXX. Collections who also is not the orgininal owner. My contact in Washington, DC did some reseach on my behalf and XXXX XXXX XXXX XXXX alleged orginal debit owner does not exsist. 

I asked True Accord twice to send me verfication that shows I was the consumer of the debit or take they could easly contact my local Distrcit Attorney 's office.by submittt a FOIA request. 

They refuse to comply and want me to submit proof becuse they are aware of my numerous compliants stating this debt was identitied as proven identy thief. 

True Accord was notified though their own correspondace with the XXXX of Greater XXXX XXXX to cease from pursuing and reporting this debt in accordance the Fair Debt Collection Practices Act ( FDCPA ), and from further contacting me. Further investigation has determined there is a lengthy history of several Federal, and National complaints of illegal practices from True Accord and XXXX XXXX XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had filed a complaint regarding this ongoing issue with Citibank. As of today they have not solved this and are ignoring all my communications to them. I need the loan returned to SBA and they are refusing to do so even after I have provided everything they have asked from me. Here was the original compaint and the issue I'm having : On XX/XX/2021 I had my SBA EIDL loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to SBA. It has been over a year now and SBA has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank dozens of times and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost XXXX hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to SBA. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.

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 2021-08-17
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: Personal information incorrect

Complaint:
I attempted to fix my date of birth with myEquifax on XX/XX/XXXX. It says I was born in XXXX on their report. This is stopping me from being able to move into a home because that information doesnt match the other credit bureaus. I am XXXX not XXXX!! You would think this would be an easy fix. But NO!. They ask me to verify my identity and its wrong everytime because they have it listed incorrectly. I know for a fact it was correct before their " breach ''. I attempted to send a picture of my DL on their site. The site prompted me to call customer service. Customer service says they cant do anything I should mail a copy of my ss card and DL. I dont feel comfortable sending my info in the mail since I already had identity theft issues because of them and I have to have a perment freeze on all of my reports. I asked if I could email it..the guy who barely spoke English and sounded as if he was in a daycare said I could FAX it! Where am I going to get a fax machine? I asked for a manger..he said no. Lol.. I continued to ask because now its clear he's not even in the U.S. he says okay and then HANG UP!.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Dear CFPB I paid my Gap card in full in XXXX. Apparently finance charges were added to account subsequently in addition to late charges causing a small balance to appear. I had no idea about this, received no bill at home or no notifications. I was only made aware when I check my credit report. Sychrony cancelled the balance out but the derogatory information still appears on my credit 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 non-monetary relief
Consumer complaint received 2018-03-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX my account was charged off due to a negative balance, on XX/XX/XXXX, I received a letter from a collection agency stating that my account has been placed with XXXX XXXX XXXX XXXX collection agency for collections from TD bank. On XX/XX/XXXX, th a direct deposit from a previous job came to the account. On XX/XX/XXXX the account was approved for credits only by ACH, and on the XXXX of XXXX a notice was placed with the credit agency that the account was cleared up. I did not approve any credits only on this account, onced it was closed and placed with the collection agency I no longer had any affiliations with TD. Also TD Bank are making all these actions against a closed account however they have not notifed me in writting of any of these transactions they took upon themselves to do. I just want my XXXX from this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX : Account # AMOUNT XXXX XX/XX/2016

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 2023-02-27
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not know why LVNV Funding is reporting as an open collection on my XXXX, XXXX, and XXXX credit reports. There are two different accounts that are listed under LVNV Funding and they reported that they are a debt buyer that is reporting. They can not do that. I Received no correspondence of owing a debt when these accounts were paid off and closed. I looked up some information to contact them directly only to find out that they are not licensed to collect in my residential state of Michigan. Please delete the following accounts from my XXXX, XXXX, and XXXX reports for improper use and inaccurate reporting please : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX. ) - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: KY
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 have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.

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