BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.

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 2021-09-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have filed a legal action and documents are attached explaining the situation in detail. 
The complaint is against both Wells Fargo for violations of Regulation E and against XXXX XXXX rental.

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 2022-09-08
Company: EQUIFAX, INC.
State: MS
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:
XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: National Credit Adjusters, LLC
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:
Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/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 2022-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The bank employee made huge promises for favourable terms of mortgage and asked to pay a refundable deposit for {$500.00}. However the mortgage was ultimately declined and bank deducted {$130.00} odd for the refund on account of appraisal cancellation charges. I fail to understand that why would someone order mortgage appraisal for a declined mortgage? this does not makes sense. Moreover bank officials never disclosed these charges unless the refund was received. I asked 2 questions through multiple forums and bank never answered it. 1 ) Why would you order appraisal for decline mortgage 2 ) How can charges be levied without disclosure and approval from the client

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
In the past I had a Paypal Credit Account which I had closed. Recently Synchrony Bank Placed a closed remark on my Credit report when I closed this account I had in 2011. Never once prior to now was any credit or acknowledgement of this account or the standing or status of this account reported as being open. I should at least have had a status of satisfactory I was not using the account and owed nothing. It is unfair and illegal I am believing for this company to out of the blue report on something that I cancelled 7 years ago. I called them to ask to have this mark removed or at least fairly report there was never a problem with this account and report the good status it should have. I was met with responses that this could not be removed. Yet I know that to be untrue. I have been careful with my credit and this is definitely an unfair act. 

If this happened to me I am sure there are others with the same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: CITIBANK, N.A.
State: DC
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 want to file a formal complaint. I called Citibank to update my address and to pay my full balance in XX/XX/2018, which I then paid. I had not used the card since and it expired few months later. This week, I was informed by third party that I had an unpaid balance and several {$29.00} late fees. After talking to Citibank customer services, it  appears that there was a transaction that processed after I paid the full balance. And it appears their employee miss-typed my zip code. Therefore I never received any statements since XX/XX/2018. Having not used the card again and then the card expiring, lack of statements was not odd. Apparently they also sent out a new card after mine expired to whomever got it since it never came to me. Despite the zip code being their mistake and me having ZERO ways of knowing I had a remaining balance collecting fees, they refuse to waive them. A ) This should be illegal. B ) The customer service was condescending  and would not work with me to resolve this any other way than me paying the full bill including the fees. C ) They would not pass me to management and I have been unable to reach Citibank management because when I try to fill out complaint forms online, the website tells me that my account/card number doesn't exist. I imagine because it expired and the new one that went to some stranger was never activated. The whole thing has been highly frustrating. This can not be good/fair business practice. Not to mention this card is due to my military/government service, so that's a great thank you to Veterans. Overall, I think the late fees are unfair when it was their mistake and I don't like the inability to reach anyone past first level customer service that I am locked into. Also doesn't seem right. My XXXX interactions have been overwhelmingly positive compared to this and I will never recommend Citi to anyone if this is how interactions happen on their side.

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 2021-02-16
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially XXXX  me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: Rocket Mortgage, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company leaked personal information and knew for MONTHS before releasing the information this occurred. And if you want to check if you were affected, there is n't a verifiable way ; recent information indicates that if you try to check if you were affected, they randomly generate an answer. Even past the security breach, the handling of this issue is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Mortgage company XXXX XXXX, took monies, wouldn't let me file a claim during the storms, sold mortgage to Fay servicing, Now in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EdFinancial Services
State: OK
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:
In the month of XXXX, I sent 3 different emails and made one call to customer service to inquire as to why my loan payment had not been recalculated under the rules of the XXXX payment plan in effect beginning XX/XX/XXXX - specifically, the increase in the XXXX exclusion percentage from 150 % to 225 % - as is stated on the XXXX website. I have been in the REPAY payment plan since prior to the payment suspension, was automatically switched to the XXXX plan in XXXX, but the payment given to me by EdFinancial was not updated/recalculated and is the same as it was prior to the payment pause. 

I was informed by this representative that the XXXX rule change doesn't go into effect until XXXX of XXXX. I read the information from XXXX to the representative stating that it was in effect in for XXXX. She told me that was wrong. She checked with another person then told me again that was wrong and that my payment would not be recalculated under those rules until XX/XX/XXXX. I asked for a supervisor or someone else to talk to and was told there was no one else and even if there was, they would tell me the same thing. 

EdFinancial is not complying with the XXXX repayment program rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: SC
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 is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-12
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid by credit card I sent them a copy and XXXX a copy, but every time I try to fight this debt, they contact me by sending me a letter and it start over like I never paid it. This been going on since 2018 when I paid this debt. I just did a dispute this month with XXXX, and guess what I received a letter and it starting over like this is the first time. I always pay my bills never had any issues know I have this company that keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
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: Personal information incorrect

Complaint:
sent out letter with copies of my driver 's license and social card and utility bill to get my address updated and haverequested to delete other address that do not belong to me.

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 2023-11-14
Company: Exeter Finance Corp.
State: TN
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 with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. EXETER FINANCE LLC account # XXXX 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing 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 7 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 of the person knows or has reasonable cause to believe that the information is inaccurate. also when receiving a XXXX the account must be removed or the balance must state XXXX because the debt is paid and satisfied. I want the account to be removed from my credit report. Here is a copy of proof of my claim. It was approved by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Where do I begin. I have been a loyal customer of CitiBank and over the course of the last 5-10 years I have opened disputes with them against fraudulent billing from merchants. The number of disputes must have been in the range of 24-30 and NOT A SINGLE dispute was ruled in my favor despite my spending countless hours pursuing disputes with them. All they are interested in is bilking customers under the guise of helping because their real customers are the merchants.

I want something to be done against these big banks and especially CitiBank because I don't come across anybody complaining about other banks. I am just sick of it and I have lost lost a lot of money since I have been with them. Enough is enough. 

Please render some justice here. 

Thanks 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 2021-01-27
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
Several years ago I defaulted on a loan with Tower Loan @ XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX. The default was due to losing my job. In XXXX of XXXX I contacted this company to obtain the amount owed as I wanted to pay them. I was quoted an amount that was significantly higher ( more than double ) than what was recorded on my credit report. I could not afford to pay the large amount at that time, so I did not take any further action. Later in XX/XX/XXXX, I noticed an inquiry from Tower Loan on my XXXX XXXX and XXXX credit reports although I had not applied for credit with this company. At that time I called the company to ask about the inquiry and I was told by the manager that they have a right to check my credit because I still owe them. 
In XXXX of XXXX I was sued by Tower Loan and my wages garnished to pay the debt. Since that time payments have gone to Tower Loan uninterrupted from my paycheck. 
On XX/XX/XXXX I noticed another hard credit inquiry from Tower Loan although I have NOT APPLIED for credit with them. I called the office the next day and spoke with " XXXX '' who identified himself as the Manager. I asked him about the recent inquiry and he stated as follows : " Yes I made the inquiry, It was a mistake. We have the right to check your credit every 30 days, but I am working to get it removed ok. Okay, have a good day, bye bye. '' after saying his piece he hung up the phone although I was trying to speak. 
I am very concerned as to why Tower Loan is still able to make Hard Inquiries on my credit even though they have sued me and I am paying and fulfilling my end of the agreement. Regardless of my efforts they continue to haunt me. Is this legal? Can they check my credit " when they feel like it? '' Is this an infringement of my privacy? What can be done to stop them and remove the inquiries?

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