BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid 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:
FOR THE STATEMENT OF XXXX ( XXXX TO XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS THAT A LETTER WAS SENT TO ME IN ANY WAY.THIS CITIBANK COMPANY HAS AFFECTED MY CREDIT IN UNUSUAL WAY. PAID MORE THAN THE MINIMUM REQUIRED AND NEVER HAD A PAYMENT IN ARREAR. THIS AFFECTED MY SCORE FROM XXXX TO XXXX AND THEREFORE MY CREDIT IS AFFECTED AND IT HAS DAMAGED ME, DAMAGE TO BUY A VEHICLE.THIS DECISION IS ALSO MADE BECAUSE I HAVE MORE CREDIT CARDS WITH CITIBANK AND THEY NEVER DID THE SAME WITH MY CREDIT CARD. CREDIT WITH THIS BANK HAVE EXCEED 50 % THE LIMIT. 

I WILL OPEN ANOTHER CASE WITH ANOTHER ACCOUNT FROM THIS SAME BANK. I ALREADY CONSIDER DISCRIMINATORY.

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 2022-11-15
Company: EQUIFAX, INC.
State: AL
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 just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate after modifications. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are still not accurate. XXXX  Loan XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX  of 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 reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Mr. Cooper Group Inc.
State: CT
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:
I am writing to convey my ongoing concern regarding an erroneous late payment entry on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. Specifically, I am addressing an alleged late payment which has been reported by NATIONSTAR/MR COOPER under account # XXXX. 
I want to stress that this late payment entry is inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to NATIONSTAR/MR COOPER . Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entry continues to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove this inaccurate late payment entry from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-08-10
Company: Shellpoint Partners, LLC
State: NJ
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:
On XX/XX/XXXX we signed a modification plan with Ditech Financial LLC. We were paying monthly {$2900.00} to Ditech Financial LLC, Attention : Loss Mitigation, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XX/XX/XXXX. 
There has been a change of address without notifying us to Ditech Financial LLC, XXXX XXXX XXXX, XXXX, SC XXXX. 
We are paying since XX/XX/XXXX to Ditech Financial LLC, we have made 47 payments of {$2900.00} and till today we did not receive any bank statements, tax documents and we do not have an online account setup to pay electronically. 
On XXXX of the each month we have to go to the post office to send a check. 
After printing a credit report we found out that NewRez-Shellpoint and New Rez-Mortgage Shellpoint are reporting late payments. According to credit report agency we are seriously delinquent. 
We have prove of deposited checks printed from XXXX Bank. We were never late making the payments. 
Due to this wrongly reporting on our credit, our child can not get a federal student loan for her studies at XXXX XXXX XXXX. 

Please help us to solve this crime!!!!! 


Best Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: USA Service Finance LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Consumer Financial Protection Bureau ( Bureau ) announced settlements with XXXX XXXX, XXXX, also called XXXX XXXX XXXX, its principal, XXXX XXXX, and XXXX XXXX XXXX, XXXX ( XXXX ). XXXX XXXX XXXX, which was located in XXXX, Kentucky and is no longer operating, offered and extended financing for airline tickets to military servicemembers and their families and was owned and managed by XXXX. XXXX, which is located in XXXX, Kentucky, is a company that services travel-related loans, including loans made by XXXX XXXX XXXX XXXX for servicemembers. 

The Bureau found that XXXX XXXX XXXX and XXXX misrepresented the true cost of credit in violation of the Consumer Financial Protection Act of 2010 ( XXXX ). Specifically, XXXX XXXX XXXX charged a fee to consumers who obtained financing through XXXX XXXX XXXX above the fee that it charged to consumers who paid in full. XXXX XXXX XXXX failed to include that fee in the finance charge or the annual percentage rate for consumers who obtained financing, even though it was a cost of credit. XXXX XXXX XXXX representatives, at the direction of XXXX, also quoted falsely low monthly interest rates over the telephone to consumers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CHARLES SCHWAB CORPORATION, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to get into my account in XXXX. I was blocked, after many attempts, I did get someone to tell be that my account was closed. I asked about the balance of {$10000.00}. Talked to many people at Schwab, some helpful, some hung up, but I found out that the account was closed, but not by me, middle of XX/XX/2021 with that balance, {$10000.00}. I did not close the account, nor did I receive that money. I did however, get a letter from Schwab dated, XX/XX/2021 with their checked attached, which was earlier than my correspondence with them, stating that the account is now closed per my request and enclosing a check in the amount off the closing balance, {$.00}. 

The letter and check is dated earlier than I started this entire situation. I have copies of all documentation regarding my complaint.

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 2022-11-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXXXXXX XXXX continues to have major issues with its computer systems that result in customer inability to access account information and make payments. The system outages are frequent and impact the automated phone system the online system, and the easy pay system. Theres also a great possibility that our information is not secure during these outages. This happened in XX/XX/2022. And again today in XX/XX/2022. They also are not updating credit reports timely with balance information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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  has violated my rights 15 U.S.C 1681 section 602 A Stats I have the right to privacy. 15 U.S.C 1681 604 A section 2 Stats a consumer reporting agency can not furnish an account without my written instructions. Account Number XXXX XXXX, Account number XXXXXXXX XXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX Account number 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 2022-08-09
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already filed a complaint but was unable to add to it so I went ahead and filed this report in order to add what I missed. Confirmation number for complaint filed is XXXX. I keep getting letters in the mail with the wrong amount on debt owed. XXXX XXXX XXXX has already contacted National Credit Systems with the request to remove my son 's name from the account and make the corrections to the amount owed. Here 's the correct amount something that I didn't include in the first complaint. Sorry I got the amount wrong. 

Charged : Market rent for XX/XX/XXXX {$1100.00} Credit from XXXX XXXX XXXX Then a month-to-month fee XXXX Total rent due for XXXX {$1200.00} Renters Insurance waiver XXXX Utilities billed in XXXX XXXX usage for XXXX Total due {$1300.00} XX/XX/XXXX received payment of XXXX XX/XX/XXXX late fee charged XXXX XX/XX/XXXX received payment of {$86.00} {$1200.00} Balance due for XXXX XXXX file was sent to attorney on XX/XX/XXXX for non-renewal Market rent for XX/XX/XXXX {$1100.00} Month to Month Fee XXXX Renters Insurance waiver XXXX Utilities billed in XXXX {$120.00} usage for XXXX Total due for XXXX, XXXX {$1300.00} Keys turned in XX/XX/XXXX XXXX prorated rent and month to month fee credit for XXXX Total owed for XXXX {$690.00} Rent, Utilities and insurance waiver {$1900.00} ( open balance ) That was owed for the two months you stay without paying. 

Prorated rent was done from when system moved you out on XX/XX/XXXX so we can credit back the 3 days off your balance. 

{$680.00} credit given for XXXX {$700.00} should have been the credit for ( XX/XX/XXXX XXXX ) {$22.00} additional credit Balance {$1900.00} minus additional credit {$22.00} balance due {$1800.00} Attorney Fees charged since your file was sent to the attorney for evictions since we failed to receive keys. XX/XX/XXXX and the charge is {$240.00}. This is a set charge ; ( These fees were assessed once file is received at attorneys office for not moving out on the non-renewal ) Insufficient Notice fee Penalty charged {$680.00}. You are correct with the nonrenewal this fee should have never been charged, I will back out the charge. 



Standard Charges : Damage and cleaning addendum : Pictures attached all charges for the unit cleaning fee, paint and carpet clean were charged at a minimum. The damages of Vertical blinds, Blind slats were charged at cost. Total {$390.00} Moving out and disposing of furniture left behind {$350.00} Total Charges {$740.00} Total charges for move out {$3500.00} Minus Insufficient notice fee XXXX Minus your deposit - XXXX Total Due {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
When I financing my vehicle with Navy federal, I had purchased XXXX XXXX  In the contract, it says that I cancel the XXXXXXXX XXXX at anytime. So when I traded in my vehicle, I called to cancel the XXXX XXXX, the customer service representative told me that I have only 60 days to cancel the service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: MD
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, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with XXXX XXXX XXXX XXXX. I have been misled by XXXX XXXX XXXX XXXX AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the XXXX XXXX ending in XXXX. XXXX XXXX XXXX XXXX has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, XXXX XXXX XXXX XXXX received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). XXXX XXXX XXXX XXXX has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, XXXX XXXX XXXX XXXX has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with XXXX XXXX XXXX XXXX. I did NOT knowingly and willingly agree to an unconscionable agreement. XXXX XXXX XXXX XXXX has conspired and restrained trade and commerce which is ILLEGAL. XXXX XXXX XXXX XXXX has closed and charged off both of my credit cards which is discrimination and an adverse action. XXXX XXXX XXXX XXXX has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. XXXX XXXX XXXX XXXX has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Nelnet, 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:
I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF EDXXXX. According to my XXXX consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / NELNET. This account is well over 7 years old and I would like it to be removed/deleted from my consumer report.

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by XXXX. XXXX is reporting that I have missed XXXX payments, which is giving me a 21 % payment history. This is completely inaccurate and is only being reported by XXXX and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: MA
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 Acct XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. 

All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action. 
3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v Transunion Corp. US Court of Appeals for the third Circuit Court Case XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX Circuit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine

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 2022-08-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I logged onto the Toyota Financial Services website on XX/XX/XXXX to request a payoff for my auto loan. I had previously made an additional principal payment to the loan on XX/XX/XXXX. I immediately made the payment quoted of {$4600.00}. The payoff was good through almost the end of XXXX. After receiving and banking my funds Toyota has decided to tell me that I owe an additional {$280.00} because they made an error in calculating the payoff I was given in writing. 

My loan was paid 2 months in advance with multiple additional principal payments made prior to the XX/XX/XXXX payment. I have absolutely no confidence in this company 's accounting. The error was made on their part. I have no control over the inner workings of this corporation. I want them to provide me with the title to my vehicle because I have paid them the amount that they demanded.

Company response to consumer: Closed with explanation