BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Professional Debt Mediation, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Professional debt mediation is reporting that I owe a debt of over {$14000.00} for an apartment that was fraudulently obtained in my name. I previously communicated this to the company and requested a debt validation to which I received that in no way proved I was entitled to pay them {$14000.00}. I also provided written statements as well as the documentation of legal proceedings against the person who obtained the apartment. The debt was then deleted from my credit reports and now they have begun to continue to report this incorrect information to the credit bureaus thus affecting my credit scores and my ability to obtain credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I co-signed on my daughter 's loan of {$10000.00} with Sallie Mae. Between my daughter and I the payments we made add up to {$4100.00}. XX/XX/2019 statement says the current balance is {$11000.00}. 
Sallie Mae has been charging us late fees every month even when the payments were on time. I would call and dispute this with them. They would constantly pressure me into automatic payments. I refused because I did it once, but cancelled few months later because I had set payments on automatic then they started taking what they felt was right for them without my knowledge. There had been years of harassing phone calls and mailings saying I'm delinquent when I wasn't and to enroll in automatic payments. I called and spoke to many supervisors and XXXX. The calls, mailings and only a few late charges were dropped. To this day I still feel it's not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
I have put in multiple reports, called and emailed the agencies as well as collectors to rectify this situation. 

My rights under FRCA have been violated by XXXX XXXX, Equifax, and XXXX based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX Vehicle was returned within XXXX days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX : XXXX Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX {$680.00} XXXX XXXX XXXX {$500.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Credit Karma, LLC
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have had a Credit Karma account since XXXX to occasionally check my credit score. 

On XXXX I received an email with the subject : " New hard inquiry on your credit report " The content of the email clearly states " There's a new personal loan inquiry on your credit report* '' and " *Based on your credit report information from XXXX as reported on XXXX '' This is objectively false - there has been no hard inquiry or personal loan inquiry of any kind on my credit report, either XXXX or any other. I have confirmed this by checking my credit report using my bank, as well as my account on Credit Karma 's own website. My XXXX credit report clearly states that there are XXXX hard inquiries on my account as of today 's date XXXX 

Therefore, it seems that the email I received was a predatory marketing tactic to attempt to get me to apply for a personal loan through Credit Karma 's service, which frankly seems insane on their part. I'm genuinely surprised that any business marketing department would send an email with such a clearly stated lie in writing. 

The email also states, " It looks like a lender checked your credit report. If you already got a personal loan, confirm the details for us and we'll look for chances to refinance and save in the future. And if you're still looking, we can help you compare personalized recommendations based on your needs. Head over to Credit Karma to get started. '' The link from the email to " See the Inquiry '' prompted me to apply for a personal loan with Credit Karma. And again, there is no hard inquiry on my account. 

I do not personally require further action from Credit Karma, as I will be cancelling my Credit Karma account, but I wanted to make a formal complaint to inform the CFPB of this marketing practice as it may inform a larger investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: DE
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:
Please remove the following items off my credit file. The items on my credit report are reporting different on XXXX and Equifax. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$1800.00} XXXX XXXX AUTO XXXX {$3000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX  XXXX {$2900.00} XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent my son {$3500.00} from XXXX thru XXXX to his account with USAA. 
He has NEVER received the money in his account! 

XXXX has completed their investigation and has stated that USAA told them the money went into my sons account. The money in NOT in there and the money has NOT come back to my account. 
This is contrary to the documentation from XXXX ( attached ) stating that the transaction failed. 
Now I am filing a complaint against USAA as thy are saying the money was put into his account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Citi Mortgage on XX/XX/XXXX that they had purchased my loan. I sent a Q.W.R. to Citi Mortgage and ask for 3 things 1. Copy of the note as it is today with any and all endorsements. 2. a copy of all payment records from when the day the note was signed until today. 3. The physical location of the original blue ink signed note so i may review the original. I received a response from Citi Mortgage on XX/XX/XXXX which included a copy of a mortgage note and the letter stateing that the loan history would be sent under separate cover. However no mention of where the physical location of the original blue ink signed note is located. Today i am sending my 2nd request to Citi Mortgage for them to provide the location of the Original blue ink sign note.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: DE
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:
Please remove the following items off my credit file. The items on my credit report are reporting different on Experian and XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Glass Mountain Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019, I received a call from a collections agency for the first time regarding a debt that was charged off by the creditor over 2 years ago ( I called the original creditor over two years ago to pay debt and they would not allow me to ). They told me of a debt owed, but there was nothing in writing prior to the phone call. They threatened to send their attorneys after me if I didn't pay. I told them that I would like to see in writing the debt that was owed and give me a week to resolve the situation. I spoke to a manager and he said he would email me the information. He sent a protected file that I could not access. I replied twice for him to check and send again. No reply. They are now calling me on XX/XX/2019 ; several phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
I never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: MA
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:
XXXXXXXX XXXX agreed to delete the XXXXXXXX XXXX Inquiry from my credit report, and also the XXXX XXXX Inquiry. Please Experian delete these inquiry as they do not belong on my credit report and these were not authorized by 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 non-monetary relief
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX. I received an update from XXXX XXXX that my transuion score had dropped a new " comment '' had been added to my account. When I logged on, I noted that my credit card opened in XX/XX/XXXX and in good standing had a note that stated it had been investigated and found to be reporting correctly. I had not requested this account to be investigated, it was perfect. I reached out immediately to Trans Union and spent over 25 min on the phone with them. The representative advised he would delete the comment and it would be updated in 48 hours. I never received any update, so I reached out again on XX/XX/XXXX and got another representative. She advised she could not find that account, I then asked for a supervisor and he was very rude to me and advised that I had probably asked for the wrong thing, however the item had been completely deleted. I was blown away. I asked if they could fix it since it was an error. He advised no we can't, we can take away but not add anything, well, you added the comment on an account that was not supposed to be investigated, then you deleted my account and its my problem. the supervisor advised that I would have to reach out to the bank card company and ask them to resend it over. I asked if I could have another supervisor and he said of course, he put me in cue and no one ever came after holding over 20 minutes I had to go. I then reached out to my credit card company and was advised ma'am, we have never had that request, the bureau should take care of that ... so here I am ...

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 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Filed a dispute with Capital One in regards to a transaction that I made and never received the product. Capital One sent a letter stating that the company mailed out the product and that was all the proof they needed to make me pay for the item. I requested proof of me receiving the item. I did not receive a response and I need this transaction removed. I need proof of where this item was mailed to and I need this transaction removed since I have no product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: ZIONS BANCORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a sum of money to pay down my mortgage below 80 % original XXXX. I submitted an online request to see how to stop PMI, since the payment I would send would pay down the balance below 80 %. However, I got a letter in response, saying I would need to pay the loan down below 80 % XXXX AND pay {$600.00} to request an exterior and interior appraisal with their contracted company. Also, the {$600.00} can increase depending on the complexity of the appraisal. To my understanding, a lender CAN NOT force a customer to use an exclusive appraiser for any reason, and also, I can request PMI be removed as soon as my balance is below 80 % of the original value WITHOUT needing an appraisal. 

This is a deceptive practice to not only force the consumer to use an appraiser contracted by the lender, but goes against the Homeowners Protection Act.

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