BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Data Mortgage Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
We are having issues making our payment due to financial hardship. I submitted a loss Mit application on XX/XX/XXXX or XX/XX/XXXX. They did not communicate with me on the status of this application for over two months. I called numerous times, their phone number never reaches a representative. They have a call back system. When they call back the rep never has any updates. At the end of XXXX I called again and they stated a partial claim was approved and the I should be getting paperwork. I did receive the paperwork but the claim is for over double or what we are past due. I have called and wrote many emails so that they can explain this to me and no one replies. They say I have a single point of contact but no one tells me who this is. I am just trying to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CITIBANK, N.A.
State: NY
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 called Citibank regarding the hard inquiry on my account which I am not familiar with. They said I have to contact the credit Bureaus so that they can further assist me. I tried to obtain information from the account that was tried to be open and they refused to give me any information. Ive been contacting experian, XXXX and XXXX the whole month of XXXX and XXXX and experian were able to help me. XXXX is giving me an extreme hard time to remove any inquiries from my credit report although I keep emphasizing I am not familiar with the inquiry what so ever. Please 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 2021-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had money taken from my account via my debit card, I caught it because i checked my account and I filled a fraudulent claim and on XXXX well fargo closed my claim dude to not finding any evidence in fraud. I had {$500.00} stolen from my account. The money that was stolen had links to then on my wells fargo app but they somehow vanished and are no longer visible on my wells fargo app summary

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 2021-01-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, EQUIFAX, XXXX All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.

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 2023-11-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed a charge on my credit card for {$68.00} dated XX/XX/2023 to a company in XXXX XXXX. I've never been to XXXX and it was clear to me that this was a fraudulent charge. I opened a billing dispute with Citi on XX/XX/XXXX stating that I didn't recognize the charge or the merchant and requested a refund of the charge. According to the timeline provided by Citi, they contacted the merchant on XX/XX/XXXX and gave them 30 days to provide proof of the charge being legitimate. On XX/XX/XXXX the merchant responded with some kind of record of an electronic charge. On XX/XX/XXXX Citi notified me that they had determined the charge was legitimate and I was responsible. However, looking at the information provided by the merchant, someone named " XXXX XXXX '' with the email address " XXXX '' made the charge in XXXX, XXXX. That is not my name, not an email associated with me, and I've never been to XXXX and don't know anyone there. It's very clear to me that this is a fraudulent charge and I'm not sure how Citi could have determined it's " legitimate '' when it's clearly fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed my Consumer Report and noticed Inaccurate Personal Information on their that needs to be updated.

Their should only be one name, phone number, Address, email Address. 


Please remove All other Inaccurate personal Information!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
PayPal has decided to hold my fund that where originally disputed by the person who did the transaction. This matter was closed in my favor and PayPal still doesnt want to release my funds which Im depending on these funds to pay my rent this month. Can you please assist me on getting my funds I already beat the case and PayPal has no reason as to why to hold my funds for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: Global Trust Management LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXXI have informed debt management collection company that this is an identity theft issue and I am not sure who has taken my identity and to remove any information such as family members phone numbers until this matter is investigated and they are harassing me and my family members by calling multiple times a day and leaving messages with my family members and they are not aware of what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Have been an a XXXX of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file CFPB and FTC ASAP!

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. I had placed a fraud alert on my profile as I believe someone is using my information. 103 Claims true identity fraud/account fraudulently opened. 040 Account involved in litigation. Please remove these accounts from my credit profile. Thank you.

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 2018-03-13
Company: FC HoldCo LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan is with XXXX XXXX, XXXX XXXX XXXX. Please note I had a loan with this company before and had no issues, but have had nothing but run around and dishonest interactions. 

I have had trouble in the past with them not applying my payment to the account. 
When I first got this loan - they applied my payments to my closed account and told me they would fix it, which they never did, they just sent me checks and stated I did not pay. 

Just happened again, they noted my last payment was received in XX/XX/XXXX, when I have the check from my bank clearly reflecting that I paid in XXXX, they cashed the check. MyXX/XX/XXXX statement does not reflect a payment received by them XX/XX/XXXX and which posted to my account on XX/XX/XXXX.

I called them today twice, XX/XX/XXXX. First time they hung up on me and the second time an employee named XXXX or XXXX, informed me that I must pay XXXX dollars to stay current. They are not honest and not helpful. He says there is no record of my payment dated XXXX. I immediately called XXXX bank and they verified the payment was received and cashed. 

I did send email on XX/XX/XXXX and received no response on XX/XX/XXXX, so I called and only got " we never received it '' and asked why I missed a payment. Also note my XXXX payment was sent by XXXX on XX/XX/XXXX, and they have not cashed that check yet. 

Again, this has happened before and I do not want them to attempt to cancel my GAP insurance for late payment because I have never made a late payment. Also must assure my credit report is accurate, as I can see them reporting me as paying late when in fact I am a month ahead always in payments. Please help me and assure they correct the loan payment calculation as well.

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 2023-11-06
Company: Global Lending Services LLC
State: FL
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 

Listed inquiries below : XXXX XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Global lending service XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Global lending service XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX Acct : XXXX XXXX XXXX DE XXXX I am writing you because its has brought to my attention that Under the Fair Debt Collection Practices Act, debt collectors are prohibited from using false, deceptive, or misleading practices to collect debts. I am well-versed in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has become clear that my rights are being violated. Under 15 U.S. Code 1681b - ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. It has been 30 days and you are in VIOLATION of this law. Please delete this item IMMEDIATELY! This account should not be furnished on my consumer report as its in VIOLATION!!! At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act * This is Defamation of Character and all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. **Attachments showing that this account has been deleted from the other credit reporting 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 2023-11-06
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Debt collector violated the no parking rule I have never received written or verbal communication with this alleged debt, debt collectors can't report your debt or your supposed debt to credit reporting agencies without first trying to check with you.

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 2023-11-06
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Medical Revenue Service failed to provide the notice required under 1006.34 for the validation of debts. Specifically, they did not provide the following validation information as required by the regulation : 1. Debt collector communication disclosure : The statement required by 1006.18 ( e ).

2. Information about consumer protections : - The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.

3. Consumer-response information, which includes the following : - Dispute prompts : Statements that allow the consumer to dispute the debt for various reasons, including " This is not my debt, '' " The amount is wrong, '' and " Other ( please describe on reverse or attach additional information ). '' - Original-creditor information prompt : The statement, " I want you to send me the name and address of the original creditor. '' - Mailing addresses : Mailing addresses for both the consumer and the debt collector, as disclosed pursuant to 1006.34 ( c ) ( 2 ) ( i ) and ( ii ). 

The failure to provide this information is a violation of the regulation, and the Medical Revenue Service is obligated to provide this notice to ensure compliance with debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: AES/PHEAA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  switched my loan to another lender it cause my credit report to drop XXXX points. This is so unfair as I thought I was not required to payback my loan as I am a current XXXX student. This loan was switched to Fedloan now I am confused upset, this is heartbroken to see on my reporter I am a homeowner and I am a very responsible person when it comes to dealing with my credit report. I just don't know what to do and how this could happen. Now they did send me a email stating that this change was happening again at NO request of my own. It was happening if I liked it or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
The credit bureau stated that they properly verified an account but I have proof that they did not verify this account. 

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. 

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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
Consumer complaint received 2023-11-23
Company: Credit Karma, LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Credit Karma , INC pulled my credit report on XX/XX/2023 unlawfully and without my written consent. This violated my right for privacy. USC 1681 A 1-6. 

The response you sent back to me had nothing to do with my complain and did not resolve my issue. The consumer reporting agencies did not pull my credit report, therefor they are not liable for removal of the inquiry. If you are not versed in Federal law please send this to your CEO or CFO. Other than deleting the inquiry from my consumer report you would be in willful noncompliance and I will seek monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX switched my loan to another lender it cause my credit report to drop 29 points. This is so unfair as I thought I was not required to payback my loan as I am a current XXXX student. This loan was switched to XXXX now I am confused upset, this is heartbroken to see on my reporter I am a homeowner and I am a very responsible person when it comes to dealing with my credit report. I just don't know what to do and how this could happen. Now they did send me a email stating that this change was happening again at NO request of my own. It was happening if I liked it or not.

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