BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Certegy Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that you are in direct violation of the Fair Credit Reporting Act ( FCRA ) for reporting information about my account without my consent. The specific laws that you are violating are listed below in this notarized letter, according to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) laws, rules, and regulations. 
No one has received my written or oral consent to publish any transactions to my consumer credit report, which is a violation of 15 U.S.C. 1681 ( a ), which states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

In accordance with 15 U.S.C. 1681a ( d ), the term " consumer '' means an individual and the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or for other purposes authorized under section 1681b of this title. 
I demand that you email me a copy of my consumer report you have in file immediately since this will be the second time I ask for this and have yet to receive it. 

I have provided my license and paystub for immediate response.

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 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
We began repaying student loans with original balance of {$25000.00} in XXXX of XXXX. Payments were set up on bill pay at {$150.00} per month which was paid on the 15th of every month through current. We received a past due notice of 60 days and immediately called to discover the loan was on a graduated plan where it last increased XX/XX/XXXX and we were not sent notice by mail until now 18 months later. Calls to customer service representative said it was our responsibility to login and monitor the account online ... We also discovered they have been allocating money from the $ XXXX  monthly payments towards late fees since XX/XX/XXXX and we still have late fees due close to {$300.00}. Further, looking at repayment balances after making payments every month for over 6.5 years ... the outstanding loan balance is {$30000.00} due to capitalized interest! We understand if we missed or did not understand the graduated loan step-up in XX/XX/XXXX from {$150.00} to {$170.00} per month, but there are four significant issues that constitute predatory lending : 1. We should have received notice by mail of escalated payment due before XX/XX/XXXX ; 2. We should have been notified by mail of every late fee/ short payment that happened to give us the ability to correct the issue immediately ; 3. We understand amortizing loans and have been paying back the student loan in good faith for 6.5 years which should have reduced the principal balance from the original loan amount. For this we have not received an explanation from Nelnet for the capitalized interest other than to refer us to the promissory note. They have not provided us with a promissory note to review nor do they have online where we can review ; 4. My personal credit score has been impacted for past due loans without notice. I have always paid accounts as due and it is easy to document we thought we were paying as agreed in this case. I have no issue repaying the loan with reasonable interest, but can not comprehend the additional fees and credit damage without contact by mail and compounded further by capitalized interest in excess of {$6000.00}. 

There are significant disconnects with common loan practices at Nelnet and with their communication to clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding is reporting an account that does not belong to me. I have never opened any good nor have I benefited from this account! This account is not mine. I am not liable nor am I responsible {$930.00}. THIS MUST BE REMOVED FROM ALL of my credit files! I have been a victim of identity theft. Please see attached FTC with LVNV listed on it. RESOLVE AND REMOVE IMMEDIATELY! I have not opened this account therefore I am not responsible for this account however LVNV Funding is holding an innocent individual like myself liable for this fraudulent account/amount ( {$930.00} ). I will also be filing a XXXX towards LVNV Funding for holding me liable for this account that I never opened nor have I given anyone authorization to do so therefore this account was due to fraud. Resolve issue ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On 4 separate occasions I have asked the mortgage company for help and each time I have I been been denied they are not even looking at my financial hardship due to Covid-19. XXXX. All denials. Due to XXXX in XX/XX/XXXX of XX/XX/XXXX I had already missed 5 months of payments and had asked for assistance then. They are not wanting to offer any assistance I have applied many times all I want is for the servicer is offer me the loan modification that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife XXXX XXXX XXXX and myself ( XXXX XXXX ) contacted our mortgage company PHH late XXXX to get a loan modification. I explained to PHH that we were falling behind on our mortgage due to me needing a major XXXX and having to go out on temporary XXXX and I am not receiving an entire pay check. 

Since then the process has been a painstakingly slow and frustrating. On numerous occasions PHH has requested the same documents. I have spoken with at least three supervisor the last being a XXXX ( XXXX XXXX  ) on XX/XX/XXXX once again asking for the same documents. However out of everyone that I have spoken to XXXX was the most helpful. He asked me to fax over four additional documents. This process has taken so long that one of the document that XXXX had requested was sent at the beginning of the process was now out dated.On XX/XX/XXXX XXXX had spoken to me and had confirmed that everything was received. 

On XX/XX/XXXX I called back to get an update and once again I was asked for documents that were sent back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: U.S. Auto Sales Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX i tried to call is auto finance and get my car turned back on after they disabled it i am only 6 days late for a XXXX dollar payment all other paymebts have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2023 I put a disputed for this Collection account from XXXX with account # XXXX and a balance of {$1200.00} original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. *Account was verify/Updated as been verified and accurate*. On XX/XX/2023 I resend a disputed for this collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. On XX/XX/2023 I receive what its to be verification from XXXX XXXX XXXX  proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERYFIED ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy. PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

ATTACHMENTS XXXX XXXX ( XXXX ) .pdf ( XXXX MB )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019, I sent out dispute letters to Equifax via certified mail regarding a medical collection account on my credit from XXXX. Original creditor was XXXX XXXX XXXX XXXX. I also sent out validation letters to XXXX via certified mail telling them to VALIDATE, NOT VERIFY MY ACCOUNT. XXXX  responded by sending my medical information in the mail that they obtained from XXXX XXXX XXXX XXXX. XXXX  sent me this information without a HIPAA release form, which is a HIPAA Violation, and they still did not send me anything with my signed signature on it proving that this debt is mine in the amount of {$840.00}. It is a violation for Equifax to report anything on a Consumer profile without that information. After my dispute was completed, Equifax did not send me anything in the mail with ANY of my updated credit information with ANY of my listed accounts on my profile like I requested. They only sent me a report of an account that was listed in my dispute form in error that I did not mean to dispute with Equifax that was sent on XX/XX/2019. That account was XXXX XXXX. I attached the document of the equifax response regarding my dispute. There was also a medical collection account named XXXX XXXX XXXX that was deleted from my equifax report and I did not receive that information on my updated credit report as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of the West Credit Card- I had the card roughly 8 years. 

1. The card was set to expire in XX/XX/2019. I went into a bank branch to request a new card in XXXX. At the same time, I changed my address. 
2. That day- my current card stopped working because they cancelled it. I was given no notification that this would happen. 
3. The new card was sent to my old address, even though I had changed it. Thus, I didn't get the new card until well into XX/XX/2019. 
4. I tried to activate the card. I spent over an hour on hold and being transferred back and forth before I was told the card was activated. 
5. I went to use the card ... Declined. All of my recurring charges that I set up ... Declined. Bills are late because this card doesn't work. 
6. I called ( XX/XX/19 ) to get a new card and close this one out. Told it would take 5-7 business days unless I paid {$25.00} to expedite the card. I explained I've already waited 2 months to get a working card ... Still would cost me an additional {$25.00} to get the card sooner. So, I cancelled the entire account. 

In all of this time, every time I tried to access my rewards points, I could not because I didn't have a working card. When I cancelled the account completely, the phone rep did not mention the rewards program at all. When I tried that day to access the rewards one last time, i still couldn't log in because the rewards is tied to the card number, not my bank account. 

I contacted the Bank multiple times ( XX/XX/19, XX/XX/19, 1XX/XX/19, and XX/XX/19 ) - they say there is nothing they can do and maintain that the phone rep told me my rewards were forfeit. This is not true. He was very brief and said very little about anything. The bank has not responded to my last two inquiries/complaints.

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 2022-12-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took out a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Barclays. When I had difficulty working with the website to pay my bill, I sought help via their customer service phone number. They couldn't help me with my password or user name. They couldn't help me access the account. So, I told them I wanted to cancel the account since it was difficult to use/manage and asked for the outstanding balance of {$180.00}, which I paid, over the phone, on XX/XX/2022. ( BTW, I pay all my bills and do all by banking online. I know how to use these systems, but theirs just doesn't work. ) Then, on XX/XX/XXXX I received an email saying that I was behind in my payments. 

I contacted them by phone on XX/XX/XXXX. They told me I had a balance of {$9.00}. This balance was due to an interest charge of {$1.00} on the final balance I had paid off when I cancelled the account on XX/XX/2022. In the intervening months, late fees and interest charges accrued totally {$9.00}. 

I don't think I should have to pay these late charges or interest. Maybe I do need to pay the {$1.00}. But even if I pay the entire balance, how do I know this will end? I could pay the entire {$9.00} right now only to find in a few months that I owe them another {$20.00} for interests and late fees they charged on the {$9.00} balance. 

The account is closed. I have no access to it. They have sent me no paper bills, but even if I pay the bills, then they just charge me interest on the previous balance. It never ends. 

I tried to get the charges removed by calling the customer care people. Three people put me on hold, then after several minutes, they hung up on me ( while I was on hold ). The customer service people seem to mean well, but the system is rigged to keep robbing you even after you close the account and pay of the balance since they charge you interest on whatever balance you had when you paid it off to close the account. 

No one will help me. All I get are some XXXX people at a call center in XXXX, but they can't do anything. They told me to call the number on the back of the card but I threw away the card when I cancelled the account and none of them can give me the number I need to call. 

It's hard not to think XXXX is just running a scam. Does XXXX know about this?

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account information that Transunion is reporting on my consumer report regarding XXXX XXXX XXXX Account # XXXX is inaccurate and or incomplete, causing me as an consumer a financial hardship.

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 2021-12-29
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I DO NOT OWE DEPARTMENT STORES NATIONAL BANK. THEY DID NOT SERVE ME A PROPER NOTIFACTION OF A COURT ORDER. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS COMPANY WAS NOT ABLE TO SHOW PROOF OF ORGINAL CONTRACT TO THE JUDGE.

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 2022-12-15
Company: CITIBANK, N.A.
State: RI
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 had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary 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 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 2023-02-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Act # XXXX XXXX/Dept of ED Act # XXXX has violated my rights. 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. section 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. 1666B : A creditor may not treat a payment on a credit account under an open end consumer as late for any purpose.

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching the investigation request I sent to XXXX and Trans Union on XX/XX/XXXX. Both have taken longer than 30 days to respond.

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