BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried disputing with the company and my XXXX XXXX  Nordstroms I never applied for and a few others I cant remember right now please give me a call at XXXX my name is XXXX XXXX it is a hard inquiry on my credit report and I did not apply for those credit cards I called the company and I also told XXXX and its still there until XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX My Experian report # is XXXX Account name XXXX XXXX Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer 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
Consumer complaint received 2023-11-07
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I spoke with GM/Cadillac Priority Care in regards to my Cue device several times. The Cue device is the central unit that controls, the radio, temperature, blue tooth settings, entertainment etc. The screen has been webbing ( delaminating ) for sometime now. I am not sure why not but this issue should have been under recall. Additionally, there is a lawsuit against GM in regards to this matter. I have also, reached out to GM Financial in regards to this. This issue is a factory defect. The dealership wants to charge me {$350.00} to repair. Nothing against the dealership that I go to they are amazing, but I should not have to pay for something that is a factory defect ( well known issue with these devices ). I have not been able to properly use my vehicle in moths giving the intermittent functionality of the Cue screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
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 DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Hello, so I am imforming you the CFPB that XXXX, Equifax, and XXXX have violated me and my life by reporting inaccurate information and I have found out that all 3 bureaus are FRAUD. THESE COMAPNYS ARE ONLY to report to consumers that live in the state of XXXX  ONLY.. This is Identity Theft, FRAUD and I DEMAND A COMPLETE INVESTIGATION OF ALL 3 CREDIT REPORTING AGENCY XXXX, EQUIFAX, AND XXXX. These agencies are in violation of the law because if they are smart they would have stolen my identity and I demand these so call reporting agencies to erase my report meaning everything off my report. I am a resident of XXXX  and I demand as a consumer here to delete everything off my report bc you have no right to steal my identity and report anything when in fact u are only to report XXXX  residents only. Yes I have caught on to these FRAUD companys and I demand you delete my entire report 15 USC 1681b. I did not give consent and these so call Credit Agencys are not licensed to report peoples reports outside of XXXX... I DEMAND A DELETION IMMEDIATLY.. OR I WILL TAKE FULL LEGAL ACTION WITH XXXX, EQUIFAX, AND XXXX. I WILL ALSO TAKE LEGAL ACTION WITH CFPB FOR ALLOWING THESE AGENCIES TO BE ABLE TOO DO THIS FRUAD AND STEALING PEOPLES INFORMATION LIKE THIS. THIS IS AGAINST THE FEDERAL LAW..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Credit Bureau Services Association
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid cbsa  in XXXX Oklahoma most of the debt I owe XXXX XXXX  XXXX University XXXX, OK in the amount of XXXX dollars. They said they would report this to the institution and they have not done that after over a month after the payment was made. I told the university and the paid amount is reflected in my account balance of my debit card. They are reporting the amounts paid incorrectly and are not recording the dates paid accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around the beginning of 2022 I started getting letters from CitiBank claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called CitiBank directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as CitiBank and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm sending pictures of two of the many letters I've received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
today XX/XX/2020 I submitted a Public Service Loan Forgiveness Employment certification form to my HR department to complete and apply towards my loan forgiveness. I was informed by the HR department that I currently have a Per Diem job code and not " full time or part time '' therefore, could not check off one of the only boxes that is provided on the form. I currently work at a XXXX  in a XXXX XXXX XXXX, helping XXXX XXXX  XXXX, I also work in the XXXX XXXX and XXXX XXXX XXXX helping the XXXX population. Since XXXX I have been working over 36 hours it has been around 48-52 hours weekly. I was under the impression that I could do this since on the instructions of the PSLF, page 5, under employment eligibility, 4th paragraph, it mentions, " Generally, you must meet your employer 's definition of full-time. However, for PSLF purposes that definition must be at least an annual average of 30 hours per week ''. This leads me to believe that PSLF had other options of verifying as long as 30 hours per week were verified. I called Public Loan Forgiveness today and spoke to a supervisor, XXXX, with badge number XXXX or XXXX and she mentioned that my employer had to select either full time or part-time and that there were no other options that could be considered to verify the average hours per week. I asked why there were no other options, and read out loud the instructions on page 5 and informed her how this paragraph is misleading and appears to have a system flaw. I informed her that the majority of XXXX in the U.S. are considered government organizations and how Per diem options were being over looked, specifically for XXXX as there are 3 codes : full time, part- time and Per diem. I was informed since my employer does not want to check off full-time or Part time then my certification would be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX My Experian report # is XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer 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
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent Accounts On Credit Report. 

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 2022-04-03
Company: MoneyLion Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX I agreed to a {$1000.00} loan that would charge me {$44.00} biweekly beginning on XX/XX/XXXX, with my final payment on XX/XX/XXXX. They took my final payment out, but have since then put my account in collections stating that my last payment XX/XX/XXXX ( which is an incorrect date according to my loan documents ) was missed. They have since then been charging my bank account every 2 weeks {$9.00} for a membership that I no longer want. Every time I try to cancel the membership I cant since my account is still in collections. Their website states that they deposited money into my bank account that they never have. Every time I try to remove my banking info their site says that theyre unable to at this time. At this point Im going to have to cancel my account or put a stop pay on the charges so they can no longer charge me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: CURO Intermediate Holdings
State: AL
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-06
Company: EQUIFAX, INC.
State: NJ
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:
I Disputed Bankruptcy on my credit report and ask XXXX and Equifax to Verify the bankruptcy. They said that it was Verified .They never sent proof of the verification from the court house. I also contacted the courthouse to Verify their release policy and the court informed me that they don't give information to anyone with the debtor 's full social number and they don't provide Any credit bureau Any information of any bankruptcy cases. That's a Violation of the Fair Credit Reporting Act. To report inaccurate or unverifiable information on a credit report. FRCA ( 15 U.S.C 1681 Bankruptcy Case XX/XX/XXXX Docket # XXXXXXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: IL
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  a fraudulent account, XXXX also its a fraudulent adress on my report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. 

XXXX accordance with the Fair Reporting Act XXXX  Account XXXX, has violated my rights. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..15 U.S.C 1681 section 602 A. States i have rights to privacy.

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting angency 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 2019-09-03
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Flagstar Bank has not refunded me my escrow balance of {$1800.00} after multiple attempts to get them to do so. I first called them on XX/XX/XXXX to ask when I would be receiving my refund and was told it would not be mailed out until XX/XX/XXXX. I contacted them again after that date and was told a check was mailed on XX/XX/XXXX and that I should wait 10 business days to receive it. I did not receive it but contacted them again on XX/XX/XXXX and was told that it may have gotten lost in the mail. They confirmed that they had my correct mailing address on file. I also explained that I am enrolled in Informed Delivery with USPS and have verified that it has not been received by my local branch. They then told me they would initiate a " ticket '' to get another check sent to me but would not specify how long that would take. I contacted them again on XX/XX/XXXX and spoke with a manager and explained that I believed they were being dishonest. I was told it takes an additional 15 business days to issue a stop payment on the check and send another. I told her this was unacceptable. I also gave my email address.

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 2018-04-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
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 has acknowledged the balance on an account I formerly had with them was the result of Identity Theft. They are reporting the account to ChexSystems. After investigating they decided to consider the debt paid since it was not a result of any authorized activity. Although XXXX has acknowledged the debt is a result of fraudulent activity, they have wrongfully decided to continue reporting the account with the exception of changing the status to paid. This action could lead lenders to believe the balance was accurate at some point, which is false.

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 2022-01-09
Company: Marlette Funding, LLC
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:
I sent Best Egg a Cease and Desist in XXXX of XXXX instructing the company to stop communicating with me through any and all mediums. Best Egg has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. 

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has called me telling me i owe XXXX $ for 3 months of rent but me and my wife were on three month leases and were there for 6 months and on top they cant give me any proof of the lease or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello : I have not received requested information for validating this debt. I have made multiple attempts to fix problem with company. 
XXXX XXXX XXXX XXXX XXXX stated We do not show receiving any documentation directly from the consumer. 
I mailed certified letters requesting verification. 
( See Exhibit XXXX ) ( See Exhibit XXXX United States Postal Service XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX in response to a credit dispute our office mailed the consumer correspondence. 
The reason for complaint is discrepancies and inaccuracies. According to creditor they stated, The credit reporting appears accurate for this file as per creditor records. Please provide a copy of the written agreement that created my original requirement to pay? 

According to my rights as a consumer, the commission of XXXX XXXX a printout of bill or itemized document does not qualify as verification. Also, stating appears accurate is in violation of my rights as a consumer.

Company response to consumer: Closed with explanation