BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) please remove one of these inquires. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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  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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2022-04-13
Company: Navient Solutions, LLC.
State: MO
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:
Navient is stating they repurchased my loans from XXXX and XXXX stated they are still my servicing agent for my loans. I transferred my loans to XXXX XXXX in XX/XX/XXXX and I have set up XXXX with XXXX XXXX. Navient is stating they repurchased my loans back from XXXX in XX/XX/XXXX. Fed loans states they are still the servicing agent. Navient has reported the same loans to my credit report and it is causing me to loan as if I own {$240000.00} in student loans which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my XXXX Citi Costco Anywhere Visa statement there was a questionable late fee of {$30.00} and an interest charge of {$32.00}. I contacted XXXX. who agreed and waived the late fee and interest charge and those credits showed up on my XXXX bill. 

But also on my XXXX bill, it also showed I owed {$8.00} interest! I called and XXXX XXXX said she'd credit me this " residual '' interest charge - residual from the {$32.00} above! I had never heard that term and that sounds ridiculous. ( The explanation sounded like while they credited me back interest, they did so at a time that it was in 2 different billing periods so the " credit '' of {$32.00} only covered one billing period but not the other even though there was only one interest charge in 1 billable month time frame : / ) So, she said she credited it - fine - lots of my time spent for this. 

Then I add up my charges so I can pay my bill and it doesn't add up to what they are saying is owed. Somehow, there is {$1.00} additional owed. I look at the statement and it says 2023 Interest is {$9.00}. Which is the {$8.00} ( that was just credited ) plus the mysterious {$1.00}! 
I get back on the phone with Citibank. XXXX explains that since I took an offer of a lower interest rate for a promo time, that some of the interest was on one rate and some ( the {$1.00} ) was on the lower rate during the same billing cycle and for standard purchases. ( Did I lose my mind? ) Anyway, she would not credit me that {$1.00} as she said she couldn't BECAUSE it was my choice to take the promotional offer! 

Citibank has been a decent company to work with, but not sure what is going on now with them. It may only be a few bucks to me, but that times a XXXX customers amounts to XXXX for them.

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 2023-08-11
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
received messages from my BOSS telling me that they were contacted by XXXX of this company. and that i would get reprimanded if they continue to receive personal calls regarding me. They have contacted my supervisors telling them they are attys looking for me and that i need to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CBC Companies, Inc.
State: OH
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:
Innovis failed to conduct a proper investigation for XXXX Acct # XXXX listed on my report. This account was reporting inaccurate information to XXXX and was deleted immediately because it could not be verified or match my information and the data furnisher could not produce the information. Yet, Innovis is still reporting this account and it shows completely different information which is inaccurate. It also appears that the date for removal has been extended again. Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In XX/XX/2018 I received a letter that Weltman Weinberg & Reis had a Discover card debt and said notify them with in 30 days which I did. I went online and filled on the inquiry form and payment plan form. I never heard anything back. Then around XX/XX/XXXX th I get a summons from court. However all that was sent was a statement from discover card. There wasnt any questions or anything. I still filed a response and showed where I was trying to set a payment plan up of XXXX every month. I also sent a letter and this copy to both Discover card ( Adress listed on summons ) as well as XXXX city for weltman. I still have not heard anything back to try to come to an agreement outside of court. Also when I try to log in on their website now they have me Blocked. I have already told them I need to have communication in writing and not verbal because I want it documented. I am trying to work with this company however they will not respond. I do not want to go to court I would like to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # 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

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 2023-04-03
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:
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 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  XXXXXXXX XXXX  XXXX : XXXX, XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
President - I gave up on complaint number XXXX and sent through the usps certified with a notarized letter for my XXXX XXXX XXXX and to accounts savings too to close my accounts and send any remaining funds to my address XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX. I'll attach photos. do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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 with the fair credit Reporting act XXXX  account # XXXX opened on XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnisha account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpuse

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 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I paid {$11000.00} from capital checking account to capital one credit card on XX/XX/2022. The payment was returned for unclear reason. However, only {$7000.00} came back to my checking account and {$4000.00} were missing. I have talked to both, the checking account and credit card team and nobody want to take the responsibility. I have spent a lot of time on the phone trying to solve this problem and the XXXX are still missing. I need help from an external institution, because the bank is not willing to help, their investigation is closed and I can't spend more time on the phone on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: IL
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 AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CITIBANK, N.A.
State: CA
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:
Every credit card company has suspended payments during the corona virus quarantine, but citibank. They are not helping their customers.

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 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid 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:
I disputed this {$300.00} charge of XXXX XXXX XXXX in the month of XXXX, and in the month of XXXX it was reapplied citing that after XXXX months investigation I will get a permanent credit. I did try to contact XXXX XXXX at XXXX, PIN NO. XXXX, but everytime I call him/her, it goes on voicemail. She was the one from whom I received the letter on CFPB and she is not standing by her words.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: TX
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:
I processed a payment on XX/XX/XXXX with a total of XXXX on XX/XX/XXXX they sent a portal message noting " Action needed : Your payment was returned- please submit a new payment. '' I requested help from their portal regarding the issue. They responded on XX/XX/XXXX " Our records show that a payment in the amount of {$200.00} was applied to your account effective XX/XX/XXXX. The next scheduled payment in the amount of {$200.00} is due on XX/XX/XXXX. '' Despite this correspondence with no resolution, they sent a notice on " XX/XX/XXXX Action needed : Your account is 15 days past due! '' I made another payment of XXXX on XX/XX/XXXX. 

They reported on XX/XX/XXXX " Action needed : Your payment was returned- please submit a new payment '' Nelnet reports that my financial institution is the cause of this problem. However, I called my bank on XX/XX/XXXX at XXXX XXXX  and they noted that it is not their error. Despite this, Nelnet does not seem to be resolving the issue despite me asking for assistance. 

My concern is they will use their lack of resources ( e.g. staff, inadequate processing systems ) to charge me fees as it " looks like '' I am not paying. 

I am willing to pay my student loans but not willing to incur fees due to the problems of this company. This does not seem fair ; it seems very predatory. 

I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: DC
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:
Today, tried again to get my report, Equifax asks questions that are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Personal information incorrect

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-02-01
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted an application for PSLF by uploading it to MOHELAs website on XX/XX/XXXX. I have been periodically logging in to the MOHELA website to check on the status, it has consistently indicated " Received In Process ''. However, upon logging in on XX/XX/XXXX the status indicated " Duplicate Form '' with description indicating " A duplicate application was processed as Canceled. '' I called MOHELA for further guidance on XX/XX/XXXX. The representative I spoke with verified the status was canceled, but indicated it should not have been canceled as it was not a duplicate. She was able to determine the previous certification was submitted in XX/XX/XXXX and the newest on XX/XX/XXXX, therefore the XX/XX/XXXX submission was not a duplicate as the XXXX were not submitted in the same year. The representative resubmitted the application over the phone, however, indicated the processing time will start over and be subject to up to a 90 business days processing time ( anticipate XX/XX/XXXX ), rather than picking up where it left off based on my original submission on XX/XX/XXXX. The representative indicated that there is no way for her to return the application to the original processing time frame, thus the 90 business days period starting over. As noted by the MOHELA representative, this was an error on behalf of MOHELA and therefore I find this completely unacceptable to restart the processing period. By my estimates the original 90 business days processing time would have ended on XX/XX/XXXX. I feel it is reasonable to request processing by XX/XX/XXXX, rather than restarting the 90 business days. The loan in question had a total payoff amount of {$180000.00}, as of XX/XX/XXXX. 

Of note, my conversation with the MOHELA representative on XX/XX/XXXX, was quite pleasant. She was very informative and understanding of my frustration, and I believe she handled the situation nicely, but simply did not have the ability to remedy the situation as I see appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation