BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear SR or MADAM. I am writing to complain again my case. Because i was in the court on XXXX as you know i complained to XXXX  XXXX  XXXX  i had account # XXXX.I been paying for 2 years plus, which was for my debt with citibank credit card the account # XXXX .So they sent me transcripts of checks. The checks are pay to the order of CITI and below says for XXXXCITICORP CREDIT services, INC.IN the court they say does not prove the debt was paid because on the checks does not show this account - XXXX.So i have to back to court on XXXX. So i need to find out where the CITICORP. credit servises inc put those checks in. It should be applied for this account XXXX. And basically that is the complain to CITIBANK. Thank you so much.

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 2022-08-12
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Claimant originally agreed to purchase from XXXX XXXX XXXX XXXX. This Company is their debt collector. Claimant changed her mind because the company was never accessible within the time i purchased and the next day to schedule another vacation. i could not reach their office number so i texted instead and they returned the message claiming my notice to cancel was received. this company is a scam! also they charged a down payment of XXXX whic is in direct violation of 12 CFR 1026.4 not cash comparables in a consumer credit transaction. they also NEVER gave the disclosures on my right to rescind this retail installment contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN 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 explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX - sold my car for a low price to an outside party. I still had over {$3000.00} worth of electronics in that car. They were suppose to close this account due to over the top Maitenance visits because the car had so many issues. On top of that. Every time the car broke down, I had to get it towed and paid out of pocket. XXXX XXXX was suppose to reimburse me for those tolls and did not fully pay me back. I asked over and over for someone to give me a call because I am owed money for those tolls. 

XXXX XXXX- still billing me and harassing me with phone calls after my truck was involved in an accident. I was not in the vehicle when this happen. The insurance company XXXX declared the truck as a Total lost. Now I can not get my truck registered again because it is now a total loss vehicle. I asked them to close this account because they did not accept the offer from XXXX for me to receive a check for my damages. They did not want to sign over the title because of my account status. The truck is not drivable and is parked due to tail end hit, and gas tank leaking fluid.

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 2017-04-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX, got a mortgage through XXXX on XX/XX/XXXX. I was paying my payment on time till XX/XX/XXXX. My financial situation got changed when I lost my job after my youngest son got into XXXX while he was playing XXXX game on or about XX/XX/XXXX, he still is going through treatment. 
I got job here and there but none of them was permanent. I could just bring the food to the table for the family of XXXX. I fell behind on my mortgage payments ; I was a single earning member of the family with my wife, XXXX kids, and elderly parents with loss of income because I got lay-off on XX/XX/XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. 
Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, husband, and only son of my old parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another. I am requesting Bayview to reconsider my situation and accept my loan modification request and offer me a reasonable payment plan or refinance my loan. Bayview asked me to pay over {$90000.00} unpaid mortgage to re-instead my loan then take my loan to another lender to refinance it. Bayview knows no any other lender will accept my application for refinancing because I already have late mortgage in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2017-02-13
Company: Advance Title and Loans, LLC
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Advance Title and Loans out of XXXX Idaho has verbally abused and threatened my client on numerous occasions. The collection manager has stalking tendencies and has harassed the client numerous times to collect a debt including over twenty phone calls and or texts in a one hour time frame. In addition she continues to make allegations of non-compliance against her and broke into her credit counselor 's place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am submitting this complaint as to why i can not open up a bank account anywhere and why my account was closed. I was a victim of identity theft that i reported once all my personal information and files with my important confidential info was stolen by a supposedly 'trusted ' individual. It really corrupted the credit i was building for myself and it got even worse when i started getting denied access to my own funds, accounts began to close and now i stuck without a bank account in my name. I really need to know how to make this all go away. I am just a XXXX working to pay my bills and the support system that i thought i had whom i had also entrusted scammed me and went MIA, and left me in a bad position with proceeding in my life financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Navient Solutions, LLC.
State: PA
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, the servicer of student loans has now been sued by 5 states. Those include California, Illinois, Mississippi, Pennsylvania, and Washington. Navient is not only accused, but is scamming student loan borrowers, and I want to report the scam they're attempting with me. For the past couple of months, I have been paying at least 80 % more than is due. They now show after I refinanced, I owe {$0.00} for an Unsusidized Stafford Loan. They deliberately are attempting to deceive me into not paying so they can accrue interest on a daily basis for the next couple of decades. On the Navient website, there is an option to " Contact '' by email. When that option is selected, a new website opens and I required to login into my account. I have to repeat the same process, because they know full well, being under investigation for white collar crimes, they prohibit me from contacting them by way of email. They have no idea that I actually maintain full documentation on my payments and what is applied to principal versus interest. I have also provide full evidence to my Attorney General, XXXX XXXX, so he has additional leverage to press forward on ensuring that Navient is better regulated. I have pay far more than Navient requires, and wants, because I don't trust Navient and their lack of ethics and honesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with PNC Bank here in XXXX, PA. I have always been 'opt-out ' on my checking account, however last XXXX ( XX/XX/XXXX ) my account was changed to a different type of checking account better suited to my needs as an XXXX and on Soc Sec XXXX. When the account was changed the 'opt-in ' is the default standard and the customer must 'opt-out '. I was NEVER notified that I was an 'opt-in '. My understanding is that there are 3 ways to change that status : by letter, over the phone, and online. Each would still require some sort of notification and signature by customer acknowledging the change. 
Over the past year I have had numerous overdrafts due to my debit card to say the least and my PNC branch has been very flexible in offering a few refunds of the OD fees. The most recent occurrence of overdraft fees due to the debit cards being authorized and paid began on XX/XX/XXXX. I have paid nearly {$1000.00} in OD fees during the last year due to this opt-in being on my account and never realizing why the ODs were multiplying like bunnies until recently a banker friend mentioned it. 
PNC has offered a paltry {$100.00} refund this time around and has corrected me back to 'opt-out ' like I ALWAYS had been. They claim it is not a bank error and will not refund this extraordinary amount of OD fees collected from me over the past year due to their failure to disclose to me the opt-in status. I was told that its in the customer Rules & Regulations book. I would think they have a fiduciary responsibility to make it very clear at time of account opening ( or type change ) to the consumer and at least have me sign a paper acknowledging it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: HOVG, LLC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being charged with an XXXX bill by the debt collectors Bay Area Credit Services. We have no unpaid medical bills at this time, nor have I ever even taken an ambulance ride. By all accounts after looking up this company online, they appear to be scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On the statement from my financial institution, on XXXX/XXXX/2017 barclays bank extracted the full balance owed of {$4100.00}. So, i made a dispute for the inaccuracy because the bill had been paid in full, and on XXXX/XXXX/2017 they reported & dispute 'resolved ' that no payment had been made, & even increased the balance owed. Again my credit report was updated on XXXX/XXXX/2017, with still no mention of this payment and that it had been paid in full, & the increase in debt owed is violating my rights.

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 2021-06-25
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NJ
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:
This is my follow-up letter, I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX the aforementioned items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
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  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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: MD
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 has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - Experian, XXXX  and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?

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