BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Attached is the company 's attempt to avoid complying with my ( Certified Letter ), asking for verification in writing. They avoided my instructions by denying that any copies exist because, " an application was completed '' ( possibly because they don't know via ), " phone or internet '' as per their response ( s ) to me in the attached LETTERS below. In another response to me they are saying if I need anything else refer back to the credit agencies for more information. Totally disregarding their responsibility to me the consumer and violating consumer laws of fair treatment to consumers exposing the culture of the companies predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-29
Company: Rhodes, Kelly Assoc Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a debt validation letter to Rhodes , Kelly & Associates Inc. They failed to validate the debt by sending a bill back as proof.

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 2023-02-26
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This property management company is full of greed and do not care about their tenants HEALTH. I was a tenant on their property for a couple years and Ive finally had enough when they become even more negligent with their emergency property maintenance. In an email on XX/XX/2022 I stated to the property I have a XXXX XXXX XXXX daughter who lives with me and this is unacceptable. Im breathing in mold stagnant water and have been doing so for a couple days. Im going to have an inspector come and look at my apartment to see if its even habitable. 
They responded I have made the Maintenace request for you. We will get someone out there as soon as we are able to get this fixed for you. 

Best, XXXX XXXX my plumbing was never fixed and they didnt seem to care. I put in multiple emergency maintenance requests and nobody ever came to fix the issue. The bathtub wouldnt drain, the bathroom sink wouldnt drain, the toilet wouldnt flush, my washer made my clothes smell horrible, the smell of stagnant water quite possibly mold, as well as the contents of my toilet filled the apartment with the smell/odor of indescribable words. My XXXX XXXX XXXX had to brush her teeth and wash her hands in the kitchen sink for weeks. My daughter and I had to use our toilet without flushing it for WEEKS, as a result typed a letter to terminate my lease with the property, and moved into a different leasing property at this time. I stated to the attorney that My daughters and my health were at risk living at XXXX XXXXXXXX XXXX XXXX  XXXX. He did not seem to care. And he gave me the next court date for us to proceed. 
The next court date I was waiting for my docket number to present my case to a judge via zoom and I was told the case was dismissed by the clerk. I was not able to explain to a judge or jury my situation because they dismissed it. The fact that they are trying to get money from me is very disturbing given the circumstances my family had to endure. 
I have kept all of the video, picture, emails documented of all my evidence over the course of my lease. I feel that justice needs to be brought to XXXX XXXX. This company is concerned more about money than the health of its tenants. They need to be held accountable for their actions and mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
So I walk in to a Citi Bank Branch and the banker helps me open a new account, and I deposit money into the account. Come the following day, I go online to check my account at it shows my account being blocked. I called Citi Banks customer service and which they directed me to their faud dept, not giving me a reason why my account was blocked and closed and I just opened the account the day prior. I walked into the bank showed my DL license and my SSN, and opened my account with no problems. Now my money is tied up again with this bank with no reason.

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 2020-12-29
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Certified Credit & Collection set me a bill for debt I do not owe. They received this from another debt agency that claimed I owe this debt. I verified that no debt was owed and all my bills were paid. In Certified Credit & Collection 's letter they stated that if I respond within 30 days and dispute the debt, they would send proof of debt. I disputed the debt and received no proof of debt. Instead, they sent me a second letter asking for payment of this debt I do not owe. 

Attached are their two letters and my responses to their letters.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. The account that is to be removed is XXXX XXXX XXXX {$4800.00}. This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines , to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX AXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$25000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$620.00} Status Account charged off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2400.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses 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 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

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 2020-12-29
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 status incorrect

Complaint:
XXXX ; Experian and XXXX should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2019-04-02
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
RE : I receive unsolicited call from Navient to employer, creating a hostile work environment Date : XX/XX/2019 Time : XXXX Issue : Navient continues to try to establish contact with my employer regarding a student loan. Navient also engaged in exposing personable identifiable information. This is a violation of the consumer protection act. Navient has been advised and issued a formal notice of this particular illegal practice/action many times before but continuing to proceed and completely disregarding the checks and balance. 

Please be advised-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Open checking account on XX/XX/XXXX over the phone, received account number through mail XX/XX/XXXX, funding acknowledges XXXX. Deposited {$200000.00} to receive {$1500.00} bonus. Called to confirm XX/XX/XXXX and told good and given promotional code. Called in early XXXX to confirm credit to occur XX/XX/XXXX. Received online message after call on XX/XX/XXXX after not seeing credit on account that deposit did not meet 20 day deposit qualification ( 22 days ). XXXX flier states 30 day balance requirement if account opened over the phone. Account opening package not mailed from CITI until XX/XX/XXXX so did not have signature card or account number until XX/XX/XXXX. Multiple calls on XXXX, XXXX and XX/XX/XXXX did not resolve issue. Refuse to acknowledge or define " open account '' date. I was not about to send a check for {$200000.00} without written confirmation of account open and account number.

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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I submitted a permanent   XXXX   XXXX   by mail on  XXXX / XXXX /2007 to the address provided on the   XXXX   XXXX   web page at  XXXX  ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.

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 2023-11-12
Company: EdFinancial Services
State: KY
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 made a payment to Edfinancial Services on XX/XX/2023 and received a confirmation email stating that the payment had been made. 

On XX/XX/2023, I received an email that the amount was past due. Upon looking at my account, it says that the payment was " reversed '' on the same day ( XXXX ). I received no notification of this and assumed that the payment had been made. I also looked at my bank statement online, and there was no record of a debit attempted by Edfinancial. Since no real money seems to have been involved, I did not attempt to reach out to them and submitted another payment. We shall see if this one goes through. 

I found a XXXX thread about this problem, and it seems to be an ongoing issue with Edfinancial for many people, and is totally unacceptable.The problems seem to have started when they switched to a new online platform. At the very least, if there is a problem with a payment going through, the consumer should be notified immediately so the problem can be rectified without additional interest accruing on the loan.

Company response to consumer: In progress
Consumer complaint received 2021-11-10
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I graduated from law school in XXXX of XXXX during the beginning of the Covid outbreak. After graduation I am entitled to a six month grace period before debt repayment is to begin. However, due to the Covid student loan relief program ; I am not due to enter the repayment phase until XX/XX/XXXX. 
Despite these forbearance against student loan collections until XX/XX/XXXX, I have been contacted by phone several times by my loan service provider, Nelnet, starting as far back as XX/XX/XXXX at XXXX. The calls that I chose not to answer because of the forbearance program were then followed with voicemail. The calls come at inconvenient times and are erratic in nature. 
For instance, I was contacted and left a voicemail at XXXX on XX/XX/XXXX ( my birthday ), XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX ( today ) only to discover that it was an automated recording that I have heard during each and every voicemail, as they must think that I am incapable of remembering the information the first time I received it. 
I am currently studying to take the Uniform Bar Exam again in XXXX of XXXX. The calls have been significantly distressing and only serve to exacerbate an already extremely stressful period in my life. To make matters worse, the calls seem to coincide with the period where I was studying for the XX/XX/XXXX Exam, and the day after I had received news that I did not pass the XXXX exam. 
The continued unsolicited communications by Nelnet have furthered my stress to a point where I am worrying about the next call, as well as their increasing frequency, rather than focusing on studying and I fear that this harassment will only increase as the deadline approaches and I should be solely focused on passing the exam. 
I have been losing sleep, and having anxiety attacks from these harassing calls and I fear that they are having a detrimental impact on my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A XXXX XXXX account was listed as " charged off XX/XX/XXXX '' and has remained in that status until recently when the status was changed to " charged off XX/XX/XXXX ''. The change in " charge off '' date caused my score to drop more than XXXX points. Due to the age of the account and the last payment, the account should be removed from all bureaus.

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 2020-12-29
Company: Paypal Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
+My PayPal card was stolen from my possession and someone withdrew {$200.00} twice out of my account after I had gone to a local store " XXXX ''. It was turned into local law enforcement. 
PayPal then reimbursed the withdraws that were done at two separate " XXXX XXXX XXXX ''. One was in XXXX Iowa XXXX and the other was in XXXX Iowa XXXX. Both were for {$200.00} plus the withdraw fees on each withdraw of {$5.00}. 
Now Paypal is expecting me to pay them back for them even with a police report due to the fact that I checked the balance before my visit to XXXX and after the withdraws from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I just got my report and i think its wrong! I was told i have a right to have aninvestigation done, creditreporting laws.ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct the fallowing information, therefore, needs to be reinvested. Please make sure everything pertaining to my credit report is corrct. 

Please provide me with the fallowing items. 
pay off disclosure intrest rate disclosure Balance history payment history credit insurance Accounts 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 2022-08-12
Company: Experian Information Solutions Inc.
State: NJ
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:
This company is reporting inaccurate information on my credit report which is hindering me from obtaining credit. I mailed and called the company a letter requesting a re investigation into this account they told me the original creditor has verified this account and it will remain on my credit report. This company has been reporting this inaccurate account since XXXX I have been disputing this account since XXXX and they will not tell me how the verified this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation