BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Have been having major issues with Citi Bank with my credit card since XXXX of 2022. They recently closed my account due to XXXX payment being returned. When asking how do I dispute it they stated to me that I needed to wait for the closure letter in the mail, I stated that I had moved from CA to AZ so can we update my address and resend the letter they stated I need to wait for the letter to be forwarded. That they cant update my name to my married last name nor my address since the account has been closed. Finally I got the letter between XXXX XXXX about the account closure. I went ahead and did what the supervisor told me to do and mail back the letter with my supporting documentation that shows the bank account was still open in which I did the same day I got the account closure letter. On XX/XX/XXXX I called to see if they had received the letter since It had been XXXX weeks and I still hadnt heard anything from CitiBank via, Phone, email or mail. When I called in the representative stated they received the letter on the XXXX the same day I called in and that it will take them a couple of days to review it. I called back on XX/XX/XXXX to see if theyve come to a decision. When speaking to a representative she told me sir you need to wait XXXX calendar days for us to make a decision I told her well you guys got the letter on the XXXX so whats the decision? She then stated that I should have a decision within the next couple of days. XXXX to XX/XX/XXXX I got an email stated they are keeping the account closed since its been to long since the accounts been closed that I had 60 days for the appeal process. I called and talked to a supervisor and they said theres nothing they can do even though I turned in the documentation within the 60 days and theyre the ones who went out of there on 60 day statuette.

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 2019-10-07
Company: AES/PHEAA
State: CA
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:
I took out $ XXXX of school loans for a degree. he loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 8 yearsand no one is helping me. 
Its a Federal school loan.. 

I am in financial ruin.. Threats of increasing interest rates from the people at AES. I am being old i now have to agree to pay $ XXXX in additonal interest, to transfer my loan again to another federal program..i owe $ XXXX, not {$130.00} but they say i owe them the money. Its not fair, its not true, I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; * failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current.

* Increasing and decreasing interest rates without communicating with me or letting me know.

* Outrageous interests rates and hiring predatory loan collectors.

* Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest in 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it?

Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, Experian, XXXX and XXXX seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies.

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay.

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.

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 2023-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX of XXXX, XXXX, the provider of my federal student loan, reported my loans 90 days pasted due while my account was on an approved forbearance. My loans went into forbearance in XXXX of XXXX. Since each semester is a separate loan, about ten different loans hit my credit report as late payments and 90 days past due. These marks killed my credit score and haven't held me back over the past several years. However, I haven't been able to get a car, purchase a home for my family, or get a credit card. I have proof from XXXX that my account was forbearance during the period when my credit report states I was late 90 days. Please let me get this 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 explanation
Consumer complaint received 2018-10-24
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to LexisNexis via certified mail requesting that they verify the erroneous entries their company is reporting about me. The tracking from the USPS XXXX shows the letter was delivered on Tuesday, XX/XX/XXXX. It has been more than 30 days as today is XX/XX/XXXX, and I have not received any proof that the company investigated this matter at all. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that they immediately delete this information from my reports.

Excerpt of the original letter I sent containing the inaccuracies.

" I was recently informed of negative information reported in the file LexisNexis maintains under my Social Security number. Upon ordering a copy of the report, I found the following inaccurate : Eviction ( s ) : 16CC00519 Date : XX/XX/XXXX Dismissed Wrongfully filed and the case was dismissed please remove. 

Phone numbers that are NOT : XXXX XXXX Must be removed Addresses that are NOT : XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Must be removed Email addresses that are NOT : XXXX XXXX Must be removed Traffic Violations : Case # XXXX Date : XX/XX/XXXX Not traffic related Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Must be removed Please validate this information and provide me with copies of any documentation associated with the above mentioned. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed recently for XXXX returned payments on another account. One of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been doing a short sale on this file since XX/XX/XXXX and we finally got an offer that meets the lender 's minimum net based on the appraised price and after submitting it, we were told that the seller needs to file an insurance claim for the damages throughout the home or Pennymac will not accept the offer in the short sale. The seller is XXXX XXXX XXXXXXXXXXXX XXXX  and his daughter is his power of attorney and although he hasn't been in the home for the past two years, he still filed a claim over two weeks ago ( when the lender notified us about it ), as per the lender 's requirements, and the claim has been denied due to borrower neglect. Just as of Friday XX/XX/XXXX, there's now a foreclosure auction date set for XXXX and Pennymac refuses to postpone it, when the only reason we filed the insurance claim is because they required it for whatever reason. This is the first time in my experience a mortgage company has asked a seller to file an insurance claim in order to accept an offer that meets the minimum required net. Otherwise, we could have closed this by now because the title to the home is clear, aside from the mortgage. Please help us get this reviewed to accept the current offer as it meets the minimum required net. It's unfair to the homeowner that he is meeting a requirement that Pennymac set, just for them to now put him back into foreclosure. They basically set him up to get foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
To whom it may concern, I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which cant be verified.

It is also my understanding that under the FCRA15 U.S.C 1681i, AND 6801 15USC every single one even each or any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compl you to annul with permanent deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either untrue, unverified, incomplete, untimely, not mine not my responsibility, to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right NOW! The obvious infractions are as follow : Alleging Creditor and account as is reported on my credit report : XXXX XXXX XXXX XXXX  ( letter sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report XXXX XXXX XXXX ( Letter was sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with certified mail. I also still have old addresses that don't belong to me on my report as well that have not been deleted I have tried several times to contact with correct addresses but nothing has changed.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: OH
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:
Have contacted these companies and they have failed to provide me with contracts with signatures both mine and theirs proving I dont have a contract with them so the following accounts must be deleted and removed from my credit report. Acct # XXXX acct # XXXX acct # 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 explanation
Consumer complaint received 2023-10-17
Company: GUARANTEED RATE INC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My VA home loan was finalized XX/XX/XXXX  and is reported as a personal loan instead of a mortgage. I have a XXXX personal loan on my credit report right now WITH ALL 3 AGENCIES. Guaranteed Rate needs to fix this. I called them and told them and they said it was an easy fix and that it would be corrected in XXXX to 3 days buts it's been over a week. 

GUARANTEED RATE INC/ SER XXXX XXXX XXXX XXXX , GA XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: CA
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:
In accordance to the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
I told XXXX and XXXX and equifax to delete this old XXXX XXXX account because, I have no recollection of ever having this account, and they did but it is still partially on my consumer report under Equifax. Now by law it is the credit reporting obligation to have all my information 100 % correct if not that can result in a violation. 

According to the U.S.C 1681i ( 5 ) they are supposed to modify accounts that isn't reported correctly. 

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

15U.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 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.

I will show the evidence of 30 violations created by equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I reached out to creditor to have an inquiry i was unaware of and did not authorize removed. They said the i inquiry will be removed in 60 days. It has been 90 days and its still is on my credit profile. I have tried contacting transunion myself they say there is nothing they can do. They have reached out to XXXX  XXXX with no response. I explain to them they are willfully reporting inaccurate information yet they will not remove it. This is a violation of 15 usc 1681s-2b

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 2023-04-17
Company: CHECKredi of Kentucky, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Using the XXXX XXXX app, when payment went to process it pulled from an empty account. As soon as this was noticed I went in to the gas station and paid for my gas. Now this company says I owe them the money instead, along with a fee. I have been told that until I pay them they will continue with the collections process. I dont owe this, its already paid. They have been made aware of such multiple times but continue to call. Even took the funds without permission from my bank at XXXX point which my bank returned to me because I never gave any form of consent for this company to withdrawal from my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation