BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a Citi regular checking account. I opened this account in response to an offer Citi had emailed to me on XX/XX/XXXX by clicking on the " see offer details '' button in the email and then signing up online on the Citibank website that clicking this button lead me to. You will find a PDF of this offer attached. 

The offer clearly states that a promotional bonus of {$400.00} will be deposited into this new checking account if {$15000.00} or more is deposited into the account within 20 days of opening and if that balance is maintained after opening for an additional 60 consecutive days. 

On XX/XX/XXXX I deposited {$15000.00} into my new Citi regular checking account. I maintained a minimum balance of at least {$15000.00} dollars in this new account until XX/XX/XXXX. This is XXXX consecutive days. This fulfils the terms of the agreement I entered into with Citibank and thus requires them to deposit the {$400.00} bonus into my Citi regular checking account which is still open. 

I have called the company at least 12 times regarding this problem. I have been told by multiple representatives that I have fulfilled all terms of the agreement, that they see the promotion attached to the account, and that all I needed to do is wait and the money will be deposited into my account. I have emailed once and faxed 3 times the same attached email offer submitted here to the CFPB to the Citi Promotions Team in a fruitless attempt to fix this situation. I can not devote any more time trying to convince Citibank to live up to the terms of the offer that I accepted from them for this checking account, and thus am seeking the CFPB 's help in this matter.

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 monetary relief
Consumer complaint received 2021-10-21
Company: Mr. Cooper Group Inc.
State: AR
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/2021 I checked my credit report and noticed that Nationstar/Mr.Cooper has not reported my mortgage payments to the credit bureau from XX/XX/2021 until XX/XX/2021. I called the XXXX XXXX credit reporting company and spoke with one of their agents and told them the balance on my mortgage account is incorrect. The correct balance as of XX/XX/2021 should be {$22000.00}. My mortgage is current and in good standing. 
I filed a dispute with the XXXX XXXX agent and she said the compliant has been sent to Nationstar/Mr.Cooper. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE FOLLOWING CREDITOR IS REPORTING ON MY CREDIT WHICH IS IN VIOLATION OF MY RIGHTS AND FDCRA. I DO NOT HAVE A SIGNED CONTRACT OR OWE ANY DEBT OR HAVE RECEIVED NOTICES OR PROOF OF ANY TYPE OF AGREEMENT. THEY ARE REPORTING A FAKE PAYMENT HISTORY, OPEN/CLOSED DATES, AND ALL OTHER LOAN DETAILS.ARE FALSE. 

CREDITOR : XXXX XXXX XXXX Experian XXXX Account Number XXXX Account Status Closed Account Type Installment Account Type Detail Installment Account Balance - Bureau Code Individual Credit Limit - Date Last Active - XX/XX/XXXX XX/XX/XXXX Date Last Payment - XX/XX/XXXX XX/XX/XXXX Date Opened - XX/XX/XXXX XX/XX/XXXX High Credit - {$12000.00} {$12000.00} Last Reported - XX/XX/XXXX XX/XX/XXXX Month Term - XXXX 36 Monthly Payment - Past Due - Payment Status Collection/Chargeoff Comments- Transferred to another lender. Account charged to profit and loss Charged off account

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 2023-10-03
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
GM FINANCIAL HAS VIOLATED ALL CONSUMER RIGHTS PERTAINING TO THE XXXX XXXX XXXX. DOWNPAYMENT OF {$1000.00} SHOULD HAVE BEEN REFUNDED DUE TO TRANSACTION WAS APPROVED BY CREDIT. CLIENT DID NOT HAVE TO PUT A DOWN PAYMENT DOWN WHICH IS A VIOLATION 15 U.S. Code 1662 ( b ) - Mixing cash with consumer credit transactions GM FINANCIAL HAS ALSO VIOLATED THE TRUTH AND LENDING ACT 15 U.S CODE 1601 CHP. 41 AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.

1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE ( GM IS NOT ALLOWED TO REPORT THIS INFORMATION WITHOUT MY WRITTEN CONSENT ) 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS ( TO REPORT LATE PAYMENTS IS AGAINST THE LAW ) 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 11. 42 U.S.Code 2310 - ILLEGAL REPOSSESSION ( GM FINANCIAL NEVER SENT A 10 DAY NOTICE OF REPOSESSION ) NOR THERE IS NOTHING IN THE CONTRACT OF A 3 TIME RULE 15 U.S. Code 1635 ( f ) - right to rescind after 3 ( three ) years ( rescind paperwork was never furnished ) 15 U.S. Code 1635 - right to rescission ( never advised ) 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 15 U.S. Code 1605 - finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges ( EXPLAIN YOUR FAULTY CONTRACT BECAUSE THIS IS FRAUD ) SEVERAL CORRESPONDENCES HAS BEEN SENT TO GM FINANCIAL ABOUT THIS MATTER SENT CERTIFIED MAIL AND THE COMPANY REFUSES TO RESPOND. AN ORDER TO CEASE AND DESIST HAS BEEN SENT AND GM FINANCIAL HAS VIOLATED THAT OVER 22 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have Bankruptcies listed on my credit report that are not mine. I have been fighting with the bureaus for almost 8 months to remove. First they claim the coolers were verifying it and i sent proof they were not. I have sent documentation from the court stating that are not mine also documentation from XXXX XXXX whom they claim is verifying it that they also dont have this information on their reports. I Have asked several times for validation letters and information on the person verifying the incorrect information and still have not received anything. XXXX XXXX has also filled dispute and never heard back

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 2022-02-19
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently went to apply for a home loan and discovered in the process that Monterey Collection is saying I owe {$430.00} and its the only obstacle stopping me from getting approve.

I dont know this company or never done business with this company.Monterey Collection doesnt have any written contract with my signature or any proof that the debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to the Fair Credit Reporting 15 USC 1681 states the following : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The information shared without consent about student loans is not lawful. It is my right to privacy as a consumer pursuant to 15 USC 6801 which states : It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers non public information. I am the consumer. The Family Educational Rights and Privacy act ( 5 USC 552a ) is a federal law put in place in 1974 to PROTECT THE PRIVACY OF STUDENT EDUCATION RECORDS wether public or private schools. 20 USC 1232g ( b ). 
XXXX XXXX XXXX and US DEPT OF EDUCATION is to be removed immediately from all consumer reporting agencies. 
The term record means any item, collection or grouping of information about an individual that is maintained by an agency, including but not limited to, his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, criminal or employment history and that contains his name or identifying number, etc.

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 2022-05-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX IS REPORTING THIS MEDICAL DEBT IN THE AMONT OF XXXX SHOWING OPENED WITH DIFFERENT DATES. THE LATEST IS DATE OPEN ON XXXX XXXX. XX/XX/XXXX. THEY FIRST REPORT IT AS DEBT COLLECTION WITH AN OPEN DATE OF XX/XX/XXXX. I HAVE TRIED TO EXPLAIN THAT THIS WAS A DISASTER SITUATION WHEN THE PANDEMIC HIT XXXX I WAS XXXX IN THE HOSPITAL WITH XXXX WHICH BY THE WAY WASS THE WORST EXPERIENCE OF MY LIFE AND ALL THESE BILLS WERE SUPPOSED TO BE COVERED BY THE HEALTH INSURANCE I HAD AT THAT TIME. I HAVE REPORTED AND DISPUTED IT WITH THE CREDIT BURRUE BUT THIS ACENCY KEEPS REPORTING TO 3 CREDIT BURRUE AS WELL. THIS WAS DECLARED A FEDERAL DISASTER. I HAVE TRIED TO HAVE IT REMOVED FROM MY CREDIT REPORTS AND HAS BEEN UNSUCCESSFUL. I DON'T KNOW WHAT ELSE I NEED TO DO TO HAVE THIS REMOVED AND STOP IT FROM RUINING MY CREDIT.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 {$0.00} Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type AUTO LEASE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 36 months

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 2021-08-25
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report.

Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2023-07-14
Company: EdFinancial Services
State: ID
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking at my credit score on XX/XX/ and notice ( 2 ) Loans that where taken out to EDFINANCIAL SERVICES. One of the loans was for {$6000.00} and the other for {$3500.00}. The loans say date of last payment was XXXX XXXX I called ED financial services and all they could tell me is the loans where set up and they would forward me a fraud packet. ED Financial is a student loan service. I never pulled these loans or have ever been to a university. I take my credit very seriously as a own multiple business 's and something like this could very much negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I received an email from Bank of America telling me that a transfer was scheduled to be made to XXXX XXXX ( XXXX XXXX XXXX  ) within three business days. The amount of the transfer was {$4000.00}. Copy of email marked Exhibit A is attached. 
Upon reading the email, I at once call the bank and showed that the alleged transfer was an unauthorize one. The agent who took the call, reviewed my account, and told me that everything was fine and that not transfer was going to be executed. 
Therefore, the bank had " NOTICE '' that of the fraudulent transfer. 
NEGLIGENCE On or about XX/XX/2022, despite the above, the bank went ahead and executed the transfer. The bank that was on notice had a duty to protect my interest, The bank breached its duty, thus, bank may be found responsible for this unauthorized transfer. 
Furthermore, when I found out about the transfer, I called the bank, and spoke with an agent who reassured me that the bank will start an investigation, and that in the meantime the money will be credited back to my account. 
After days waiting for the money to be credit back to my account, I called back, this time, another agent. Told me that the money will not be returned to my account and that the investigation will take 90 days to complete. 
On XX/XX/2022, the bank sent me a letter denying my claim. The bank claimed that its " investigation found that the transaction in question was performed by an authorized signer on the account and is a valid transaction. '' NEGLIGENCE INFLICTION OF EMOTIONAL DISTRESS I am a small business owner. {$4000.00} is a considerable sum of money ; the negligence of the bank of transferring the money even tough they were alerted not to, has caused me XXXX, XXXX  and similar state of mind which has reduced my productivity in my business. 
The bank never did any investigation as they claim, they only sent me copies of their ledger showing the transfer. They never really investigate ( his, never talked to the alleged transferee to verify if my company had any connection that may have justified the transfer. 
When I insisted vvith the bank, I was told that my transfer was made using my cell phone ; then ( he bank needed from me, proof from XXXX ( my carrier ) that my phone was not lost, stolen, tampered with. 
The required proof is attached and marked Exhibit B. 
CONCLUSION Bank of America made an unauthorized transfer, and now the bank must return the money to my account at once. Any further delay will force me to seek legal remedies to correct this wrongdoing.

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 2019-02-11
Company: Riverwalk Financial Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
failed to sell the car in a commercially reasonable manner and sold at below fair market value. Also no notification of the sale was provided. As required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Im in the process of getting my student loans forgiven ( PSLF ) through Mohela. During this process I noticed a five-year gap XXXX. When I inquired about this to Mohela reps I was told that since I filed for bankruptcy in 2012, those payments would not count toward forgiveness even though I continued to make payments during that five-year period. At the time of the bankruptcy filing, I was told that student loans could not be included and that I was still required to make regular payments which I did. It seems that the Department of Education automatically coded my student loans as XXXX and did not notify me that they had done so. All of the payments that I made ( around 60 months ) just disappeared when it comes to the Department of Educations loan forgiveness program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
The information regarding this account fails to report completely. I do not recognize this account. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: FM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX  via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. EXPERIAN responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

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