BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: CITIBANK, N.A.
State: SC
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 have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX XXXX/CBNA XXXX XXXX  XXXX XXXX, TN XXXX I never applied for any service or account with this 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 2023-03-11
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My XXXX loans were transferred to MOHELA in XX/XX/XXXX while I was in the process of applying for TEPSLF. I have 174 eligible payments ( only need 120 ), but only 31 have my employment certified. My form to certify the remaining was submitted on XX/XX/XXXX. It has twice been erroneously processed by MOHELA. After requesting it to be reprocessed, waiting for the second 90 day processing period, and receiving a 2nd rejection based on their error, I called MOHELA to speak to a supervisor on XX/XX/XXXX. This supervisor, XXXX, looked at my XX/XX/XXXX submitted form and agreed there was nothing wrong with anything on it. She made notes on my account, and put it forward to be reprocessed in 3 business days. Its been 11 business days since then. I called to check on it and was told by the person at MOHELA that yeah, it shows its still open. Were not really processing things on that 3 day timeline. 

I initially started this process in XX/XX/XXXX with XXXX and since everything was transferred to MOHELA they have continuously and WRONGLY processed my form. I have been very patient up until now, but this is significantly impacting my financial well-being by keeping {$130000.00} on my credit report while repeatedly making errors in the processing of my account for almost 8 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2021 I sold my leased vehicle back to the dealership where I purchased it, at the time I owed for the XX/XX/2021 payment. Later that spring, I received noticed that there was a late payment on my credit report and XXXX XXXX XXXX XXXX XXXX was XXXX days late. 

I called and they told me they would fix it. 

This week I received another notice there was a change on my credit report. This account ( Account # XXXX ) is now showing as XXXXdays late as the status but all payments listed are shown as on-time. 

Currently, this is severely impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: EQUIFAX, 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:
I XXXX XXXX XXXX, Natural Person and consumer am submitted this complaint on my own behalf. I have been a victim of Identity theft. Please review the attachment as my federally protected consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Online Information Services has reported information to my consumer report. Online Information Services did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Online Information Services to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Online Information Services to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Online Information Services stating all facts which includes each violation and the damages that you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: TX
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2022-03-19
Company: EQUIFAX, INC.
State: MI
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:
N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: CA
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 recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 non-monetary relief
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture 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 non-monetary relief
Consumer complaint received 2018-05-18
Company: Paramount GR Holdings, LLC
State: NC
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:
My credit report have these inquiries that are unknown I did not give this company permission to run my credit I did not apply for no mortgage loan

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : 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 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.

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 2023-06-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent account was opened in my name in XXXX of XXXX. Citibank sent a pre-filled credit card to an address I moved out of and someone got the information from it, charging it over the max. The address was XXXX XXXX XXXX XXXX, which I moved out of in XXXX of XXXX. I did not find out about this account until XX/XX/XXXX ( I never received any statements about this card, only collections calls ) and immediately had it closed and disputed. My dispute was denied, forcing me to file an official police report and Identity theft report. I filed these reports in XX/XX/XXXX and re-disputed the fraudulent account, assuming it would be easy to see that I was a victim of identity theft. However, to my dismay, Citibank has been extraordinarily difficult to deal with. I constantly call their fraud department, several times per week, asking when this account will be taken off my name. Their fraud department is a complete disappointment. I was even told by one of the employees that the reason my dispute was denied is that XXXX am the ceo of the company of one of the charges on the card ''. I am, in fact, not a CEO of any company. I work fulltime in a medical lab. 
No one can get me connected to a supervisor or manager to speak with about this account. Every request to remove this fraudulent account has been ignored by Citibank. I need 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 explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: LA
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 pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXX Dept of the threasury XXXX First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money to my landlord ( XXXX XXXX ) {$800.00} from my XXXX Bank of America to her Bank of America account. 
They wrongly accused her of fraud and closed her account. I did not know that I was not supposed to transfer money to accounts not under my name because I had a XXXX account, It does not say that anywhere, because of this they closed her account and bofa told her that she can never open up a bank account again. 
It has been 2 months of calling both sides of bofa to recover the money and filing claims with no success at all. Bofa is denying my claims because the transfer went through and it was not fraud. The normal bofa will not talk to me because my account is not with them. XXXX showed me proof that bofa is holding the money and that it is in in their hands called hold safe This is my last resort of attempting to recover my {$800.00} and am already speaking to attorneys on this. 
Bofa is notorious for accusing their customers of fraud without accurate research. 
They just want to hold our money in their books and possibly steal it. 


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 2023-06-06
Company: CAINE & WEINER COMPANY, INC.
State: MO
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:
XX/XX/2023 Subject : Request for Deletion of Collection with Forward Follow Agreement Progressive I hope this letter finds you well. I am writing to formally request the deletion of my collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between Progressive and Cain & We As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within [ specify a reasonable timeframe ] to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I got the loan from the finance company to purchase my new vechile on XX/XX/2019, well on XX/XX/2019, My vechile was impounded for 30 days for driving without a driver 's license.So 2 weeks into the impoundednent I called the finance company and asked them if they could put the impounded fees on the back of my contact, so that I can be prepared and get my finances in order for my bills for the month.well the finance company said that they wouldputthe impounded fees at the end of my contract, so I made used the money for other plans I had.on the day of the pick up day for the car, the finance company said that I had to come up with all the impounded fees which is XXXX, I told them there's no way I have that type of money, that's why I called you 2 weeks ago and ask you if you could put the impound fees on the back of my contact, so I can gather up the money and you said yes.and now they said that I can't receive the car in till I pay the fee of impound.i have not been irresponsible I have never been late on my payments.im upset cause they told me yes then on the day to pick up my car they said no they want the payment of the impound fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me. I have also received a collection in the mail saying that I owe money but it does not state that I have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: GA
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:
In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.

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 2022-03-19
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX  XXXX billed me improperly for amounts my insurance should have covered. I told them to bill the insurance and it looks like they never did they just continued to send me bills. I continued to dispute such charges. They sent my debt to collections now with Credit Collections Service XXXX XXXX, MA. This was a surprise medical bill anyway, it should have been covered on my insurance and I never consented to my bill and statement being send to Credit Collections from the start. XXXX now continues to contact my after being asked not to be contacted about this debt that I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation