BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CitiCards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i AM A VICTIM OF IDENEITY THEFT mY PERSONAL INFORMATION IS STOLEN AND A CRIMINAL THAT I DO NOT KNOW - HAS APPLIED FOR ACCOUNTS THAT ARE NOT MINE THESE ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED PLEASE BLOCK AND REMOVE THE FRAUDULENT ACCOUNTS 1 ) Company or Organization : XXXX XXXX XXXX - CHARGE OFF - AUTO LOAN Account Number : XXXX - amount {$14000.00} 2 ) Company or Organization : XXXX  - CHARGE OFF Account Number : XXXX amount {$2300.00}

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 2020-12-29
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX To Whom it may concern, While looking at my credit reports I have noticed inconsistencies with the information on all three credit bureaus. As you know, this is not allowed. I have disputed this account several times. 

Why does XXXX have this account showing I am still making payments? This was paid off in XXXX. 

XX/XX/XXXX. 
XXXX  Shows that I have one late payment XX/XX/XXXX, Experian reporting 31 late payments. 
XXXX  showing excellent payment history no late payments I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am getting an auto response that it will remain on my EXPERIAN reported unchanged. How when nothing was validated? 

XXXX XXXX XXXX XXXX on XXXX removed all payment history from both reports. Right before I received and update from my dispute with Experian. That this will remain unchanged. I never reported this account with XXXX or XXXX. Why would the creditor remove the payment history? 

I recently received an automated response from your e-Oscar verification which is not acceptable. No one physical contacted the Creditor asking for verification. I have attached my response I received from Creditor. If I asked Experian to help me verify this debt. How could Experian allow the Creditor to submit what I received as proof? 

Why is Creditor unclear on my request which Experian contacted for proof. I am requesting for a deletion of this account from all three Credit Agencies.

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 2022-04-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason. 

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: AES/PHEAA
State: NC
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:
I consolidated my federal student loans ( held with My Fed Loans ) to get credit for the highest amount of XXXX payments, per the waiver. The information from MyFedLoan is in direct contradiction with the information on the Dept of Ed 's website, and included a warning letter that I will lose credit for all XXXX qualifying payments I've made if I consolidate. I went through with the consolidation, trusting the Dept of Education 's website on the XXXX waiver, however this has caused a lot of stress and I hope that they stop sending out incorrect information, as it will likely dissuade many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: AES/PHEAA
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 status incorrect

Complaint:
My name Is XXXX XXXX. I have filed for a PHEEA rehabilitation program and completed the program. According to the agreement, they were suppose to remove every derogatory and negative items on my reports for that account. I have submitted the information to XXXX and they honored it and removed it but XXXX is failing to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My ex and I moved into a apartment she kicked me out within a day after we got all the furniture and the furniture I got under my name that Im in debt {$6200.00} for I dont have she does so basically Im paying for something she has cause its in my name and I need this off my credit report asap so I can do what I need to do but I cant do that because this keeps bringing my credit down I was at XXXX credit score now Im in the 400s this needs to be resolved somehow and I hope someone would be able to help 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 2020-10-02
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rent Debt is stating I ( and my husband ) owe XXXX for vacating the XXXX at XXXX XXXX XXXX. 

The leasing manager at that time, XXXX told us in XXXX of 2019 that if we moved out and gave 60 days notice we would be okay and they would take care of us as far as any fees are concerned because she would have no problem leasing our prime location, 1st floor apartment. The alternative was hoping to get us a 3 bedroom in the community as I was pregnant and there was no room in a 2 bedroom apartment for what would have been 5 people. I did not get this in writing as she had been  the manager our entire time there. We did give 60 days notice. 

2 weeks before move out XXXX was transferred to who knows where and the new manager had no knowledge but would reach out to her and take care of us. Clearly she did not. 

Upon move out I was not told of any fees from the complex. Rent Debt is trying to collect. They are rude, and unhelpful. I also have a charge for a pet fee. I have a service animal. Im a United States XXXX XXXX XXXX with a service animal - a well trained one - what clean up fee does a house trained dog require? They charged me to clean the carpet, I can understand that. After 2 small boys lived there I would want them cleaned too but what is the pet cleaning? Its outrageous and a scam at best. 

My apartment was leased IMMEDIATELY after we moved out. I know because I went back because I left a doormat out on the patio and thought I could grab it but someone was already moving in 1 week later. So why the fee?? 

I called rent debt to ask what they needed from me to paperwork wise to get this resolved. The rep said whatever you want to send. Im like okay so do you want my dogs papers? Do you want my 60 day notice? Do you want my XXXX paperwork showing why we were leaving? He said whatever you want to send. WHAT??? What kind of person works in customer SERVICE and forgets theyre there to provide SERVICE like??? Honestly disgusting and disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a voicemail that stated ( XXXX XXXX ) not my name. They were reaching out to me due to a pending notice of action that came out of the XXXX XXXX area. His name was XXXX XXXX. He was contacting me on behalf of XXXX XXXX, so due to no contact on my behalf I am instructed to call XXXX with reference number XXXX. They have another number from XXXX California ( XXXX. This number is not active? They also called my mother in Arizona, threatening to sue. If I did not respond by XX/XX/XXXX ( yesterday ) they are taking aggressive action to sue me for {$1000.00}, from HBSC Bank for a mortgage or credit card from XXXX. 
I have been on XXXX since XXXX. I have already filed a scammer report with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  ID : XXXX State : VA Capital One representatives continue to lie and provide misleading information and refuse to escalate the call to the executive relations so that they may assist me with my consents. 
Yesterday they were able to comply with my request but today they reason regulations and laws of the company and they continue to refuse to have the appropriate department to speak to. 
XXXX ID : XXXX ( VA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry date : XX/XX/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 2020-10-02
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: Account status incorrect

Complaint:
I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and Equifax, XXXX  and XXXX  are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXXXXXX Account Number : XXXX CLOSED : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2020-10-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Cardinal Financial 's disclosures and difficulty to retrieve signed documents make it extremely difficult for me to understand my closing costs and expectations. I have complied with every request they made and have all submitted my documents the same day they asked for them. Since starting my refinance process it has been 70 days and there are weeks that go by without an update. But every 2 days they send me a request to sign a Closing Disclosure and they do not send me a copy of what I signed. I have 4 refinances with them, not just one. They have asked me to sign 15 or more Closing Disclosures per loan and have extended my clsoing date over 10 times due to no fault of my own and without explaining to me the reasons why, keeping me in the dark without setting expectations or explaining their reasoning. I have refinanced 5 homes recently with another lender and have closed in 25 days or less. I am very familiar with the process and I have all my files and documents organized and I have complied and turned every document in the same day they requested them. Their delays and inability to move smoothly and their lack of communication of where I am in the lending process has caused me servere anxiety and financial losses as I was told I should have my funds in 30 days or less. From the 4 loans 3 I own with no mortgages that I am doing a cashout ono and one i'm refinancing for a better rate. I am 40 days behind on the refinances. There is no reason for them to request for me to sign discloures twice a week if they don't have a set closing date. Their constant requests for CD signatures has caused a confusion in what I will be getting at closing as well as missed expectations & deadlines. Every time I send documents they request they take 7 or more days to respond back. I reached out to their consumer advocate customer service line and they were not helpful at all. They said they have my files and somoene will reach back out to me. I followed up with an email to inform them that no one has called and it has been 14 days with no response. What am I to do? Take my files to another lender and wait 30 days to close or have an expectation that I will be closing in 7 days then find out 7 days later that they need 7 more days then another 7 days and they tell me we are in underwriting then 7 more days later that they need one document then 7 days later and it's been like this non-stop. There has to be an end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a bill from Ditech for my XXXX Mortgage payment with a due date of XX/XX/2019. I am very careful to pay on time. I paid the mortgage bill amount on XX/XX/2019. Ditech cashed the check and took the money. 
Today, on XX/XX/2019, I received a bill from XXXX. Apparently Ditech sold my mortgage to XXXX. The XXXX bill has a XX/XX/2019 due date. It also does not show the application of my XXXX payment to the balance. In other words Ditech took the money and did not apply it to my loan. 
I have tried emailing and calling Ditech but they do not respond. I tried to log-in to the website, but since my loan is no longer serviced by them I can not log in. 
You help is appreciated,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years.

They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.

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