BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XX/XX/XXXX, I applied to CitiBank for a balance transfer card. An account was opened but never funded. I tried again 6 weeks later with the same results. In XX/XX/XXXX, I requested the account be closed. On XX/XX/XXXX, CitiBank emailed me with a confirmation of that closure. Yet I continued to receive constant phone calls requesting repayment of the loan that never existed. 

In XXXX, XXXX, I had my attorneys send cease and desist letters to the bank. That stopped the daily calls and left an occasional letter. In XX/XX/XXXX, six months after the above, the bank sued me for the same non-existent loan. I reported that to my attorneys who sent me to 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 non-monetary relief
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/XXXX I have been speaking with numerous representatives at Equifax regarding a block. I am in the mortgage process and my lender can not access any information from Equifax. He ran my credit in XX/XX/XXXX and XX/XX/XXXX. He ran the credit again end of XXXX working on final loan approval and has been receiving a clock from Equifax on his end. I can Equifax 1st representative says theres no block, 2nd representative same day says there is a block, speak to supervisor all in the same day which advises there is a block and social security/driver license is needed. I fax over per their request. Call the following Monday to confirm all documents were received as I am on a time crunch ; they advised they were received however I didnt need to do all of that, and he was lifting the block as we spoke on that same call. All the while every single call/representative has asked the same security questions which I provide the same answers and have always passed my security questions and validated my file. Every time I speak to my lender he advises he still gets a block from Equifax. He has even called the customer service dept asking how we can lift this block and he was told that I needed to call and request a release for core logic because that is the system my lender uses. I did just that, representative advised theres no such block. Now, after almost 2 weeks of providing same information all of a sudden I am unable to validate my security answers and questions and Im blocked from accessing my Equifax file. Please help as I need loan approval in 1 week! These people are all incompetent! Always giving you incorrect, inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Shellpoint Partners, LLC
State: IL
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing

Complaint:
Received email from attorney for loan modification stating a Federal attorney is assigned to me for a trial and loan modification without any paper work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I tried to make a payment for the remaining balance on my Citibank credit card and it never went through. I used the same checking account for the payment that my auto pay was set up for and had never had a problem with that checking account for auto payments. The payment was for approximately $ XXXX and my bank account balance at that time was about $ XXXX, so the funds were available. After I realized that the payment hadn't posted I tried a second time on XX/XX/2021. When the second payment didn't go through I went into the Citibank website and deleted then reentered the payment account information thinking there was a glitch in the system. Then I tried a third time on XX/XX/2021 with the same results. I called Citibank and they said my bank wasn't letting the payment go through. I called my bank and they said nothing had gone through or been denied for any reason from Citibank and my bank statements reflect that information. After all this, I took time off of work to go to a Citibank branch and wrote a check for the balance and the check did post and I thought my account was paid off. 
Then I got another bill for {$160.00} for interest on the account for the time during which I was trying to make the online payments that didn't go through for some unknown reasons. 
My complaint it that I don't think I should have to pay this interest charge if it was an online payment problem in the Citibank system.

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 2022-09-09
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:
I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license Utility Bill

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 2023-10-21
Company: Vargo & Janson PC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Dear Sir or Madam, I am writing to file a formal complaint against Machol & Janson LLC regarding their actions in relation to an alleged debt collection on behalf of the XXXX government. This complaint pertains to a series of incidents that have raised concerns about their practices, including potential fraud and harassment. 

I first encountered Machol & Janson LLC in XX/XX/2023, when they claimed to be representing the XXXX government in the collection of unpaid violations and liens. I was informed that the total amount owed had escalated to $ XXXX, despite my suspicions about the legitimacy of these claims. I took the following actions : 1. I contacted the XXXX government directly and paid all outstanding liens and violations online ( about {$600.00} ), as there was no record of any outstanding penalties or liens on their official website. 

2. I blocked the phone number associated with Machol & Janson LLC to prevent further harassment. 

3. Subsequently, Machol & Janson LLC continued to send numerous letters, all asserting that I owed them money. I remained vigilant and unresponsive. 

In XX/XX/2023, an individual appeared at my doorstep and served me with documents claiming to be a summons from the XXXX XXXX XXXX. This was the most alarming development, as I was unable to find any active case against me in the court records. 

Given the discrepancies between their claims and the official records from the XXXX government, I believe Machol & Janson LLC is engaged in fraudulent and harassing practices. They have misrepresented their authority, creating undue stress and inconvenience. 

I kindly request that you and the relevant department investigate this matter promptly. I believe Machol & Janson LLC 's actions are in violation of consumer protection laws, and their misrepresentation as a government entity is deeply concerning.

I am seeking the following actions : 1. An investigation into the practices of Machol & Janson LLC to determine if they are engaging in fraudulent debt collection and harassment. 

2. An official response confirming the authenticity of the summons they served, or assistance in addressing any illegitimate legal actions against me.

I sincerely appreciate your attention to this matter and the action taken to ensure that Machol & Janson LLC is held accountable for their actions, and no one will be deceived by their scams. Your prompt response and assistance in this matter will be greatly appreciated. 

Thank you for your time and consideration.

Sincerely, A US citizen

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Personal information incorrect

Complaint:
I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Upgrade, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a discrepancy with my account. I've had these questions before and have never been given a straight answer and had it always blamed on daily interest. 

Now I have proof they are not being straight with payments. Since I paid off my card and did not have a balance this excuse was no longer valid. According to my statement In the month of XXXX, I had a Previous Balance of {$780.00}, and the Interest Accrued in this Statement Period was {$9.00} which gave a total of {$790.00}. I paid a total of {$800.00} which should have given me a credit of {$4.00}. I have no credit and a balance of {$0.00}. I asked for my whole account to be audited and they have refused. There is something really wrong here and this company should be audited and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : TOYOTA MTR XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Nelnet, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sat on the phone for 2 hours waiting for someone to assist on XXXX. No one picked up. Automated voice from Nelnet said wait time 30min. 


Last week sat on hold for over an hour. No one picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
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. 

Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX CAR # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They previously took care of the issues that I had, my payment was to be due on XX/XX/2021 - I attempted to pay the payment in XXXX when I got paid - I get paid bi-weekly and did not get paid again until the XXXX. In late XXXX when I logged in to make the payment the account would not allow me to log in to my online account to make the payment as the issues had resolved - I have no problem making my {$31.00} payment that was owed, but because I could not log in - when I was finally able to log in - there was an {$89.00} payment due on the account because of late fees - this is not okay - this would have been paid on-time actually early had they not locked me out of my account and told me that I needed to call them to make payment. I wrote them - they will not take the late fee away nor take just my {$31.00} payment - if I pay just the {$31.00} they are going to apply a late fee every month. I can not due the {$89.00} right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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:
In accordence with the Fair credit reporting act XXXX Account # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX 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 2023-10-13
Company: Nelnet, Inc.
State: NJ
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:
My loans stayed closed but I still have a balance with interest accumulated. I tried to call multiple times but cant get a live person to explain to me why the account is closed but still have a balance that accumulating intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open Late Dates 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 2022-10-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I submitted a dispute to the credit bureaus disputing the following listed accounts and asked for validation and verification of the accounts and not only have they not provided proof they have failed to respond. XXXX implied that I was using a credit repair company. I am not I am exercising my consumer rights to dispute the incorrect inaccurate and unauthorized information. 
XXXXXXXX XXXX Acct : XXXX XXXX XXXXXXXX XXXX XXXX of Michigan Child Support Acct : XXXX XXXX Acct : XXXX XXXXXXXX XXXX Acct : XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX ( XXXX ) Acct : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX ) Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct : XXXXXXXX XXXX XXXX ( Original Creditor : 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 2022-09-09
Company: Experian Information Solutions Inc.
State: AR
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 a natural and living human being. I have rights under 15usc 1681. 
Experian is governed by 15 usc and has violated my rights as an consumer numerous time. I demand the following account ( s ) are deleted immediately! 

XXXX XXXX XXXX - account number XXXX XXXX XXXX- account number XXXX 15 u.s.c 1681 section 602 ( a ) States i have a right to privacy. 
Section 604 ( a ) section 2 States a consumer reporting agency can not furnish a account without my written permission!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: World Acceptance Corporation
State: TX
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:
This loan is not accurate and was done online I have asked for information on this loan and it is being reported to the credit bureau. I never gave consist to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: LEXISNEXIS
State: OH
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 have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

Company response to consumer: Closed with explanation