BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: WA
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 XXXX of 2017, Equifax had a security breach that has put my personal data, as well as the data of millions of Americans, at risk. In addition, prior to making the data breach known to the public, several executive leaders of the aforementioned company sold millions of dollars in company shares, which is the textbook definition of insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Capital Accounts, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I mailed a certified letter to Capital Accounts LLC I retrieved the address from my credit report and the letter was returned by to me stating RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi Bank has changed when the new quarter begins on Citi Simplicity card. The new change adds unfairly additional debt to peoples monthly statements The higher balances are harder to pay off and Citi bank reaps additional profits for people make only the minimal payments. They are charged a percentage rate based on the unpaid balance that in this case would be much hire then before because the new quarter or statement begins later then before.The two additional days adds up for a total of five days before the cut off for the new statement begins.Before there would only be a total of two days before the new quarter or statement begins.The quarter used to end on the XXXX and the new monthly statement or quarter would begin on the XXXX. The payment was due on the XXXX of the month. There would only be two day of additional debt being add onto the old statement. Now there is a total of five days instead of just the two for additional debt being added to the old credit card bill. This makes it more difficult for people to completely pay off their bills and the credit card company makes a huge profit charging interest on the unpaid balance. What a scam. For people struggling to make minimum payment -- They are getting royally screwed Citi makes more money on this scam then by charging late fees! You need to get them to reverse this and have the quarter end on the XXXX instead XXXX. There only two days after due date before the new quarter or statement begins.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$5900.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-21
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 my account without 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 non-monetary relief
Consumer complaint received 2019-03-28
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Caliber Home Loans acquired our mortgage loan XX/XX/XXXX from XXXX XXXX XXXX XXXX., XXXX XXXX, California 2. We paid {$2200.00} on XX/XX/XXXX using electronic Bill Pay through XXXX XXXX XXXX XXXX, showing the payment was received and posted through XXXX XXXX XXXX XXXX. TRACER : XXXX CUST CKF : XXXX 3. The payment cleared our account XX/XX/XXXX 4. Received a statement indicating two payments were due so we called the number provided numerous times, but COULD NOT reach anyone to speak to, so we sent a message to Billing and Payment asking about the payment that was not showing up in the online system. We received an answer indicating a response would be received within 5 days, which did not happen 5. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 6. The payment cleared our account XX/XX/XXXX 7. In XX/XX/XXXX we printed our Form XXXX, which indicates we only paid 1 month of interest, which should have been double that amount.

8. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 9. The payment cleared our account XX/XX/XXXX 10. We received our first AND ONLY phone call from someone indicating it was a collection call, he was demanding payment over the phone. We told him we had NOT missed any payments and would not provide the caller with any payment over the phone. We tried to call back to reach someone at the Mtg. company but no one would answer, so we sent another message indicating we needed help with our account.

11. We made the XX/XX/XXXX payment of {$2300.00} online on XX/XX/XXXX, which included a late fee of {$78.00} that was placed on the account 12. The payment cleared our account XX/XX/XXXX 13. We sent copies of everything to Caliber which they signed for 3-4-19, and received an answer from them 2 days ago indicating " Caliber has reviewed the documentation provided within your present inquiry and found no evidence that a payment was received on XX/XX/XXXX. '' 14. I had XXXX XXXX research the payment further and have their response with the details of this ACH Payment to Caliber.

This loan is in my husband 's name, but the home is deeded to both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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 no affiliation with these creditors and I did not make this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Addresses listed on my credit report are addresses I Do Not Live At and I would like to prevent identity theft by having them removed from my credit report, I Have attached documents of accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 i sent a letter to transunion to update a XXXX XXXX latepayment that was being falsely reported. They had updated the payment from 30 days late to current. Then i look at my credit report In XXXX and they changed it back to 30 days late which is a violation. I have attached my letter below. Due tho them reporting this late payment i am back not getting approved for apartment or a car.

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 2022-10-16
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over 60 days and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
I have requested my free annual credit report mutliple times and Transunion is the only one of the 3 that has a lame reason that they will not send my report to me and it is in violation of the law. It basically results in " there is a problem with accessing your report '', some XXXX  like that... thanks in advance for your assistance.

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 2022-12-06
Company: Experian Information Solutions 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:
see attached. No consent or permission by me, the consumer, to report, or furnish any information to a credit reporting agency or any third party. XXXX has been reporting late payments, missed payments, and open balances that shouldn't be reported due to not being specified on contract and no consent to do so by me. Account numbers XXXX and XXXX.All three Credit reporting agencies verified this party to report frivolous and inaccurate information to my consumer report. Enclosed invoice.

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 2023-03-22
Company: Experian Information Solutions 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:
IN XXXX MY WHOLE PURSE WAS STOLEN OUT OF MY CAR POLICE REPORT IS ATTACHED MY SSN HAS BEEN COMPROMISED CREDIT INQUIRES WERE ESTABLISHED WITHOUT MY AUTHORIZATION CELL PHONE BILLS FROM XXXX & XXXX ARE ON MY CREDIT REPORT, INQUIRY FROM XXXX XXXX XXXX XXXX XXXX XXXX, Someone even tried to purchase a home using my identity Please remove the items a police report is attached ty

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 2022-04-21
Company: Continental Finance Company, LLC
State: KY
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:
I paid XX/XX/XXXX XXXX and something on my credit card and then they took it back off my limit tried saying it was returned or refunded or canceled and my bank verification says it was paid settled then I reached out to the credit card support and they was rude was hanging up on me and calling me lier 's and just trying to keep my money in my credit rude I even sent XX/XX/XXXX proof from the bank

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See document attached

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 2022-04-21
Company: Nelnet, Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My government student loans ( through Nelnet ) have been transferred to a new servicer XXXX XXXX XXXX  where I have been paying them monthly regardless of the Covid rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of Ed/Nelnet , they show as in default. I also was told, they would never go to default on my credit report due to the Covid issues, but they did anyway. 

They refuse to remove the Nelnet lines on both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CITIBANK, N.A.
State: CA
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 checking account with Citibank with the advertisement that if requirements are met, I will receive 50k miles bonus to my XXXX XXXX account. Here is the ad : o First, open a new Checking Account between XX/XX/XXXX and XX/XX/XXXX ( Offer Period ). 
o Second, enroll in the Member XXXX XXXX More Checking Offer on the same day you open your new Checking Account pursuant to the instructions provided. 
o Third, complete Qualifying Purchases2 with your Citibank Debit or ATM Card corresponding to the Checking Account Package requirement in the Chart below within 60 days after the Eligible Checking Accounts Account Opening Date ; The maximum amount of bonus miles credited will be based on your Checking Account Package on the XXXX calendar day after the Account Opening Date and completion of the Required Activities ( see Chart below ). 
o Fourth, make 1 or more Qualifying Bill Payments3 for 2 consecutive calendar months within 60 days of the Checking Accounts Account Opening Date. 
o Fifth, to remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your Bonus. 
Your AAdvantage Bonus miles will be credited to your AAdvantage account within XXXX calendar days from the date you complete all Required. 


On line # 4 you will see that it states complete 3 bill payments from this account.

During the 60day period, I paid multiple bills of mine through this checking account. On multiple occasions once the 60day period is done, I asked where the bonus miles were and they said I didnt qualify.

According to Citibank, I had to do set up the bill pay through their website or app. If you read line 4 there is nowhere does it say that it had to be set up through their website as this can be interpeted as just paying bills from this checking account. 

I have tried to work with them and have not been successful. I have explained that they can not not honor this promotion when it is their wording of the ad that is not clear.

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 2023-01-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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 reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX account # XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the XXXX XXXX XXXX and the person Nissan Motor Acceptance Making the report is not INCLUDED on my Consumer report! 
A XXXX payment is a transactional history, My HISTORY with your company. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA XXXX XXXX XXXX by reporting this transaction or experience on my consumer which XXXX clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation