BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: FC HoldCo LLC
State: NJ
Product: Credit reporting 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 4 inquires on my credit report that i would like removed and deleted. I did not authorize these companies to run my credit report. 
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 2022-05-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file, the items i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. However, I request that you remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: AZ
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 accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-01-02
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I filed a credit card dispute on XX/XX/2023. Citi then sent me a letter dated XX/XX/2023 stating that my credit limit was lowered by {$6900.00}. The lowering of my credit limit is a direct result of me filing a credit card dispute. The letter states " we frequently review cardmember accounts... based upon your current credit limit usage, we've decided to lower your credit limit ... ''. I have not changed my credit habits with this card in years. My credit limit has not changed in years. I have not had any contact with Citi or paid my bill late in years. I then file a credit card dispute and XXXX business days later Citi takes negative action against my account and lowers my credit limit by {$6900.00}. It is clear that my credit limit was not lowered because of some regular review of cardmember accounts but because I filed a credit card dispute. This is an unfair practice and directly affects 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 2020-12-26
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection agency Hunter Warfield collected a debt on behalf of XXXX XXXX for alleged damage to a rental property. I contested the debt, but they kept collecting after 30 days. I paid in protest the full amount of {$940.00}, which was mailed on XX/XX/2020. HW assured me that I would receive a receipt and proof of payment within 20 days, which I need because I am going to small claims court to contest the debt. HW refuses to send the recept/ proof of payment even though it has been 3 months and I sent the payment registered with tracking that shows the payment was deliver XX/XX/2020 at XXXX. 
I have wasted hours of my life on hold with HW multiple times requesting a receipt, and they state that they will mail it every time, but they don't. 
Are they not required to provide a receipt? I've been waiting 3 months and my court date is coming up.

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: 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I feel I have been treated unfairly by Chase Bank. I feel the act of closing my account before the matter could be reconciled is unfair and deceptive. I had minimal interest and a charge to my credit card made by a merchant in error. The account should have been charged by the merchant in a different means. 
This credit card has a {$7500.00} available credit and was paid in full on XX/XX/XXXX. What I did not realize is that Chase had added interest charges of {$39.00} after it was paid off and in XXXX XXXX pass charged the card {$25.00} in error. I do not get paper statements in the mail on this account and was unaware this charge went on my card and was not checking the balance on the card because the card to my knowledge had not been used. I found out about the past due balance of {$180.00} on XX/XX/XXXX When I applied for a mortgage and found my credit had dropped about XXXX points. I immediately went online and found the account had been closed and had a balance of {$180.00}. I paid the balance off and called Chase the next day. When I ask Chase to reopen the account because of what it has done to my credit they refused. I did not receive any phone calls on the past due balance and Chase had stated that they sent a letter. I reminded them that my account is paperless and that I do not receive statements and I do not open promotional type mail and that I did not receive the letters. 
I checked my profile on their site and they have my correct and current phone number. 
This has had a devastating effect on my credit and may prevent me from getting a mortgage. Chase has refused to work with me on this problem and that is why I'm lodging a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted Aidvantage by phone on XX/XX/XXXX and requested {$8900.00} in qualifying payments to be refunded as part of the Covid payment pause. The agent confirmed the amounts and said he needed approval but submitted it for me, saying to call back in 48 hours if I didnt see a change. 

I called back on XX/XX/XXXX and the agent could see that I spoke to someone on XX/XX/XXXX, but said no approval request was made by them. She said she submitted it. After the call, I also sent an email to Aidvantage recapping the call and confirming the request. On XX/XX/XXXX, I received a response saying that this brand new agent JUST submitted my request for approval, meaning that it hadnt been done the first two times. 

I checked back in via chat on XXXX, and the agent said they saw that it was approved by a manager and they would now process the request. I followed up on XXXX and confirmed via chat again that it was submitted on XXXX. 

I have still seen no balance reinstated on my account, and have little confidence my request has made it to the right place. I know the staff is inundated with these requests now and are doing their best and I appreciate the help I have received, but had my original request been completed on XX/XX/XXXX, two days before the forgiveness announcement, I would have avoided this long wait and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Happy new year, I am writing to inform you about the unfortunate passing of the primary borrower, [ XXXX XXXX ], who held an auto loan with your institution. I co-signed the loan with [ him/her ] and have been diligently attempting to maintain the payments since her passing in XXXX. 

Despite my efforts, the car has been towed away, and I am left in a challenging situation. I am reaching out to request your understanding and cooperation in managing the collection process for the outstanding balance. Given the circumstances, I would appreciate any assistance or guidance you can provide to navigate this matter. 

I understand the importance of fulfilling financial obligations and preserving the integrity of my credit. However, the loss of the collateral has added complexity to the situation. I am willing to work with you to find a resolution that is fair and manageable under these circumstances. 

I kindly request your consideration and would appreciate any information or documentation required to facilitate the deputation of collection in light of these unfortunate events. Please feel free to contact me at [ XXXX ] to discuss this matter further. 

Thank you for your understanding and cooperation. 

Sinc

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 2019-02-12
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We seem to have a disagreement with our mortgage servicer, SunTrust Bank, about the cancellation of PMI. 
We've been making additional payments against our mortgage principal for the last couple of years in an effort to pay our mortgage off early. Once we reached the point where we had paid off approx. 20 % of our loan we began receiving letters on a regular basis from SunTrust informing us that we can have our PMI payments dropped if we would submit a request to do so and include a check for {$450.00} to pay for an appraisal. However, we knew ( or believed ) that according to the Homeowners Protection Act that the PMI would be terminated automatically once our principal balance had reached 78 % of the original value of the loan. We therefore felt that providing our loan servicer with {$450.00} for them to perform an appraisal was not only unnecessary, but it felt duplicitous. 
At the point where we had lowered our principal below 70 % of our loan value and the PMI was still in effect we wrote SunTrust Bank a letter on XX/XX/2019 stating the above belief and included a link to www.consumerfinance.gov indicating that according to the HPA the PMI should have been dropped automatically, and without a {$450.00} appraisal. We also stated that we, in fact, should be reimbursed for PMI payments that occurred after we had met the requirement for automatic cancellation of the PMI. 
SunTrust acknowledged receipt of our letter, but only reiterated that we needed to make a PMI cancellation request using their included form, and include a check for {$450.00} for an appraisal. 
Our principal is currently at approximately 50 % of the loan value and we are still paying PMI. 

Are we mistaken about the HPA as it relates to PMI and its automatic cancellation? 
If not, would you please help us resolve this issue? 
( and just a point of note, we see on this website that there are several people who have had this same issue, and with the same bank. ) Thank you, 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: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Acoount # XXXX, has violated my rights. 

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

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 2021-06-11
Company: EQUIFAX, INC.
State: GA
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 is in violation of my consumer rights. XXXX XXXX has taken information from the PACER system and sold that information to other reporting agencies. 
XXXX XXXX is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter. 
XXXX XXXX is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character. 
I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law. 

XXXX XXXX is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX XXXX any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws. 
Lastly, XXXX XXXX has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I originally disputed the incorrect information on XX/XX/XXXX and referenced the fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). Item not removed. Submitted Identity theft letter to XXXX on XX/XX/XXXX which also included Federal Trade Commission complaint # XXXX. Sent another dispute to XXXX on XX/XX/XXXX which also references the Federal Trade complaint on NC  Financial/Net  Credit Accounts. I sent XXXX  a letter on XX/XX/XXXX requesting validation of the Method of Verification with no response other than the information is accurate. On XX/XX/XXXX I mailed another Victim of Identity theft letter with the Federal Trade Commission again and a copy of a police report # XXXX and XXXX still refuses to remove the incorrect information. I have also tried to contact the company NC Financial/Net Credit several times and on the same days as XXXX, but no response since XX/XX/XXXX. I emailed the company and they refused to communicate with me because they state the email address they have on file for me is not the one I was emailing from. XXXX  is the most difficult to deal with. When I called yesterday XX/XX/XXXX I waited 45 minutes on hold just to be transferred to 3 different representatives. The call then disconnected once I started discussing the accounts. The Rep never called me back and sent an email within an hour saying they can see the dispute was entered in error or I knowingly took out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Oracle Financial Group LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The company keeps calling me once on XXXX XXXX2018 at XXXX XXXX And threatening to sue me and send me a complaint summons. I paid half of my loan off through oracle financial group LLC . I paid XXXX And they were supposed to take the final payment but it never came out of my account. They keep harassing me and I called the actual payday loan company and check to see how much I owed and the original payday lender keeps saying I owe the same amount from before I paid the XXXX. They also are threatening to freeze my accounts and garnish my IRS refund. Instead of sending me letters with how much I owe they keep calling me. They never sent me a receipt for the half of the loan I paid off. I am not comfortable with paying for the other half of what I owe if I dont have a receipt for the previous half. i feel like they are using threatening illegal debt collecting practices with me. They called on XX/XX/XXXX at XXXX XXXX and told me that they are trying send me with a summons complaint and that it was sent back and to call their mail room as well as they are charging me with fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Account Control Technology, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I notified XXXX and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to XXXX and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after XXXX was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and ACT continued calling. Account Control Technology made several calls to my cell phone in violation of the no contact request. The 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 2023-01-16
Company: CITIBANK, N.A.
State: AZ
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 In connection with the collection account with citibank XXXX In pursuant to 15 USC 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or. I did not give any permission to pull any information from my report specifically because my ssn should be excluded from my consumer report and this account is a credit card account. In pursuant to 15 USC 1681c-2, Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I consider this information that was reported as identity theft. I demand a deletion of this account effective immediately. If the account is not removed from my consumer report I will take this to a federal matter.

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 2021-01-05
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

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 2021-09-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I'm paying Experian for services who preventing from login. Who continue having me changing my password several time. I recently tried login who still being prevented from login. Recently I have been using this follow Username : XXXX for the past 12 months. Who change this follow Username : XXXX to this Username : XXXX Because my 3 computers being stolen from my home XXXXXX/XX/XXXX. I have provide them Police Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation