BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request

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 2023-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights of privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer report agency can not furnish an account without my written instruction

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 2023-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account XXXX XXXX XXXX XXXX XXXX XXXX, Have no knowldege about .The account is not mine.

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 2022-09-28
Company: Click n' Close, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out an order for relief for XXXX XXXX lending granting them credit on the application which gives me a security interest in the business known as equity. The amount was for XXXX around XX/XX/2022. I was denied. On XX/XX/2022 I received and adverse action letter from your company attempting to explain why I was denied. This was clearly and act of DISCRIMINATION pursuant to 15 usc 1691 ( a ) ( 3 ) I used my credit card pursuant to 15 usc 1602 ( a ) ( L ) to extend myself credit through your company, which make me a creditor pursuant to 15 usc 1602 ( G ). That also give me the right to give credit pursuant to 15 usc 1602 ( F ). I exercised my right in good faith to extend myself credit as a consumer, and a creditor pursuant to 15 usc 1691a ( 3 ), I have received no benefits from this consumer credit transaction pursuant to 15 usc 1602 ( a ) ( p ) on top of that my credit card was used by a person other than myself which is clearly a violation of this federal law. I told XXXX XXXX i had given him all the info he needed to process the loan, XXXX said he was going to XXXX the load. I explained the information above to XXXX he told me it doesn't apply to me getting the loan and no one was going to give me one. I told XXXX XXXX okay and hung up the phone. I am looking to get the loan that i need to get the house i want. No company rules supersedes federal LAW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy. 



15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any 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 explanation
Consumer complaint received 2023-07-14
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 purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX financed through XXXX XXXX. All payments were made on time through the payment portal on XXXX XXXXer instructions from the dealership. 
When attempting to make the payment for XX/XX/XXXX the website for XXXX re-routed me to a website XXXX ; not knowing what this site was, I did not input any information. I began to reach out to the dealership and company to inquire about the website rerouting to find out the following. 
1- The dealership that I purchased the vehicle from was no longer in service and not at the location I purchased from when I attempted to visit the dealership for answers. ( I am unaware as to when the dealership closed. ) 2- I began to call the number and email the website listed on my Credit report for answers ( no other contact information was ever given for XXXX XXXX ), no response has been received. Currently the XXXX XXXX website is not an active website and emails for XXXX XXXX come back as undeliverable. 
I then filed a complaint with the XXXX XXXX XXXX  XX/XX/XXXX and their investigation yielded no response from the financial company XX/XX/XXXX. 
Someone called me on XX/XX/XXXX stating they were a representative of XXXX XXXX and I allowed a one-time payment over the phone, no receipt was ever received. However, I have my bank statement to show the transaction. Then without consent or communication, they processed a payment without authorization on XX/XX/XXXX to my credit card. I attempted to contact the company again, as well as attempted to log into the XXXX account to pay my XX/XX/XXXX bill, but the system does not recognize my information and again I began to reach out to someone at XXXX XXXX for assistance, I have yet to receive a response. I also called the XXXX website provider for assistance, and they have no record of my account or vehicle information in their system to assist with access and payment. 
I was never given any communication about the dealership going out of business or any changes that were being made to the payment system or website as well as instructions for the new platform or reporting structure. I have never received any communication from XXXX XXXX after several attempts. I have never received any communication from the company. I am requesting the company to send all information related to my vehicle lease. As well as instructions on how I am to obtain the title information once payments are completed. 
It has also just come to my attention that the company is now reporting negative late payments in my credit report. XXXX XXXX has not provided any information for customer support. XXXX XXXX has yet to respond to any communication attempts from myself or XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously sent a debt validation letter to Caine & Weiner Company regarding an illegally inserted debt the company is reporting on my credit profile. They never replied to my request for validation and still continue to report said debt to the bureaus. I do not have a debt owed to Caine & Weiner Company Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello. I made a payment in full to XXXX credit card {$92.00} onXX/XX/XXXX. Payment was due on XX/XX/XXXXtherefore I was charged a late fee of {$29.00}. I spoke to a representative when the next statement came in and they said they can waive the late fee as a one time courtesy since Ive never had any late payment and my account was in good standing. Then I received another statement with {$29.00} late fee plus {$2.00} in interest. I called again and they said the billing cycle had already generated and to ignore it because my actual balance was XXXX. Not knowing I had a balance, the next month went up an additional {$33.00} in late fees, making the total {$64.00}. Then an extra {$40.00} in late fees was tacked on with a total of {$100.00} due XX/XX/XXXX I reached out months ago and they told me it was an error and I didnt have to make a payment. I confirmed my account was XXXX out and the representative staters the error was made by the creditor and not to worry as it was cleared up on their part. Then a couple weeks later I was hit with a 30 day late on my credit. I was never 30 days late. I disputed the error and they denied it. Damaging my credit very badly. I pleaded with them to fix their error as I am in no position to have my credit damaged so severely and they ignored my requests. I tried several times after and they still will not take accountability for their mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were transferred to Edfinancial. I have contacted them on multiple occasions through all communication outlets they offer over the past 3 months without any response. My account is showing an incorrect repayment plan duration of a 10 year repayment and an incorrect monthly payment due amount of over {$900.00}. I SHOULD be showing for the extended payment period- graduated loan repayment plan that I am on with monthly payment of {$340.00}. The company used to have a message that would appear on screen when you submitted an email that it would take 5 business days to respond. Now, there is no timeline provided of any kind of expectation for a response and just has an on screen message stating " higher than normal volume ''. I have read many many different reviews sites with long lists of similar experiences, so I hope that the CFPB is either able to help this company correct these issues or that Edfinancial is shut down/not utilized for government student loan repayment. Loan repayment is difficult enough with the currently arduous process that was supposed to have been improved upon time of repayments. However, the process seems worse, and you aren't even able to reach anyone at the loan servicer to help with the more complicated process that is now in place.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-28
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint due to the fact that I haven't heard back from XXXXMRE nor have I seen these alleged debts removed from my credit reports. In the attached files you can find an Affidavit of truth with exhibits, a Cease and Desist letter and a green return receipt showing that CMRE has received all of these exact forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I hired XXXX XXXX 's Attorney at XXXX on XX/XX/XXXX to handle a guardianship case attorney at law onXX/XX/XXXX using my discover card first charge {$1700.00}. this went through fine on XX/XX/XXXX I charge XXXX with my discover card after I did not get what I paid for from the Attorney XXXX XXXX I disputed her payment of {$1500.00} with discover this amount was placed back to my card as a temp. after my attorney agreed to file the necessary documents I called discover and had them to stop the dispute, I was charged {$1500.00} on my card again.. the Attorney office did not get the {$11000.00} back to there account I called several times getting different answers once with the attorney on the line she dropped the case and placed a lien on my case for {$1500.00} because Discover told us 3 to 5 days she would get the funds bank the 10 days she would get the funds back and the last call to discover we was told that the money was hung up in the merchant department of discover, today isXX/XX/XXXX and several calls later no attorney no {$1500.00} I would like to know where the {$1500.00} is and why the attorney never got it. I have to hire a different attorney now do to the missing {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Called to pay my mortgage and found out on XXXX they were hacked

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently had my personal information updated, but the inquiries were NOT removed. I also requested the document/documents that states I ( gave said agency ( Transunion ) permission to report any inquiries on my consumer report ( 15 usc 1681b permissible purpose ) states that WRITTEN CONSENT must be shown. This document HAS NOT been produced which I have noted and NOTARIZED documents requesting the WRITTEN CONSENT document. also ( 15 usc 1681n ) states that any person who obtains a consumer report from a C.R.A under false pretenses or knowingly without permissible purpose shall be liable to the consumer for actual damages sustained by the C.R.A or XXXX XXXX whichever is greater. Also Ive stated several times that these inquiries should be removed due to ( 15 usc 1681 i ) ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Due to the said ABOVE laws I demand these inquiries be REMOVED

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 2023-07-14
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:
XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXXXXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had my account on autopay for many months and payments always were collected on time. Just recently I saw my credit score had dropped significantly and I traced it back to CitizensPay. I opened my account portal and it still said autopay was on. I went to the saved payment method and it was my credit card for my business. I paid off the balance that was left for the last 4 months and the payment went through just fine. 

I called them and they said I hadn't been paying and they have emailed me. The emails had been going to spam. I had no idea it wasn't being paid. 

I got this loan through XXXX which is my security system for my business. I have seen all my XXXX payments going through each month. I wasn't even really aware of this loan which was a separate cost for the equipment. This must be why it wasn't on my radar and things were going to spam because I never even interacted with this CitizinesPay company. I was just automatically signed up for it when I signed the XXXX paperwork. 

I also don't understand why this loan is affecting my personal credit when it's for my business equipment and was being paid by my business accounts. 

Now I can't get any business loans because my personal credit score has dropped so much. This is putting me in an absolutely terrible position and I might lose my business because of it. 

I can pay them off completely if necessary. The payments are only $ XXXX. I can pay them {$1000.00} if necessary. I have that available in my account now. 

I was not avoiding payments from them and do have the money. The main problem was their emails are going to spam. That is on their end. Maybe many people are reporting their emails as spam. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: AES/PHEAA
State: WI
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: Investigation took more than 30 days

Complaint:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: 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 information incorrect

Complaint:
XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance on XX/XX/2022 {$1600.00} XXXX XXXX XXXX XXXX LATE PAYMENTS Original loan amount {$20000.00}

Company response to consumer: Closed with non-monetary relief