BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing this debt for almost a year. I have been a victim of identity theft. I have sent in FCA Affidavit, Affidavit with a notary, police report, and dispute letters. The debt was removed at one point, however it was applied back to my credit report. It prevents me from being qualified for a lot of necessities.

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 2018-02-09
Company: Experian Information Solutions Inc.
State: AZ
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 pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.

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 2019-05-30
Company: COMMERCE BANK
State: MO
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:
On XX/XX/2019 I transferred my debt to Commerce Bank and wasn't told about interest on purchases. Then i made purchased varies in dates and found the first interest charge. Well I kept calling to find out how much I needed to pay to have the interest to stop. I kept paying what i was told and still being charged interest. On XX/XX/19 I  finally asked to speak with manager and the guy said he couldn't tell me anything other than that i still needed to pay XXXX dollars. He couldn't tell me how much more i needed to pay to get it to stop. So some of my payment went to the purchases and the balance. So I am being robbed. I asked for the XXXX interest charge to be removed if i paid the amount that day and the lady on XX/XX/XXXX submitted it. The manager said it got denied because it wasn't a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions Inc.
State: NV
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 spoke with a manager or supervisor in XXXX  to dispute unauthorized or fraudulent inquiries in my credit report and I was informed that they can't dispute credit inquiries, I explained them the following An unauthorized or inaccurate hard inquiry. XXXX  as consumer credit bureaus must investigate dispute requests unless they determine your dispute is frivolous which is not the case. Also I asked XXXX  to allow me to block and Unblock my credit report from my phone app while I am not using my credit and they letted me know that since I been a victim of fraud they can't allow me to use the block option. I think this is complete unfair also they don't allow me to dispute information online from XXXX  website. 

I was told by a XXXX manager that they dont care about CFPB complaint so they respond with that my complaint is a potential fraud and the case gets close and I tried anyway but that that is what they did, they responded as potential fraud and case got closed. 

I dont think this is fair, XXXX  is violating the Fair Credit Reporting Act law and CFPB dont do something about that. 
XXXX  have several incorrect information in my credit report and they dont care about disputes or anything like that they dont even responde to my dispute with the supporting information requested by me because they dont have information requested but they dont remove the reported information form my credit report either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about theInaccurate reporting of addresses I've never lived at before XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX and phone numbers that I am not familiar with. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-01-31
Company: CITIBANK, N.A.
State: PA
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:
CitiBank sent a 1099 to the IRS for an alleged credit card from over 10 years ago that I never had. I requested via Certified Mail a copy of the backup, charges, i.e., all information regarding this account while I also notifying CITIBANK and the IRS that all charges or claims that I had this card are disputed and to send verification of the debt. CITIBANK refuses to send this information and the IRS says that if they don't I will have to pay the IRS over {$2000.00} for a card that I never had. 

The first notification I received about this alleged credit card was from the IRS, not CITIBANK. At no time within the last 10 years have I received information or notification of such debt from CITIBANK. They refuse to discuss over the phone and will not honor my requests for information via USPS Certified Mail.

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 2021-11-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
CONSUMER EXPERIAN.docxXXXX  XXXX ss # XXXX XXXX : XX/XX/1966 XXXX XXXX XXXX. 
XXXX, XXXX XXXX TO WHOM IT MAY CONCERN : EXPERIAN RE : XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX I XXXX XXXX noticed on the EXPERIAN REPORT this account with XXXX XXXX XXXX listed on my consumer report. Your company is in clear violation of the law. Under 15 USC 1861 ( b ) Permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give you EXPERIAN written INSTRUCTION to furnish this account with XXXX XXXX XXXX on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681 ( 2 ) ( a ) ( i ). Exclusions a consumer credit report clearly states ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) term CONSUMER REPORT Does not include -- - ( A ) Subject to section 1681s-3 of this title, any report containing information solely As to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE AND REMOVE THIS ACCOUNT PERMANENTLY FROM MY CONSUMER REPORT. 
This Experian agency is in violation of 15 USC 1681. I strongly believe that you have violated the FCRA And are NON-COMPLIANT with what you have reported. I am stating this because you have violated my privacy as a consumer. Please supply me with proof that they were compliant with the FCRA and more Specifically with the Industry standards of reporting electronically. 100 % certified and authenticated Testimony that they were compliant. 

Failure to respond satisfactorily with a deletion of the above-referenced account will result in legal actions being taken against your company. For which I will be seeking. Defamation, Fair Debt Collection, Fair Credit Reporting, Negligence for which per violation is {$1000.00}. 

Once removed. I request that you send me an updated copy of my report discovery? 
Enclosed : is a copy of my Identification and a bill of my abode.

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 2021-06-22
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I'm filing, still yet another complaint with you, in the hopes that Mr. Cooper will finally address/resolve the issue of Compliance on my mortgage. 

I've been trying to resolve this matter with them for over a year now. In XXXX of 2019 I submitted direct questions to Mr. Cooper, regarding the validity of our mortgage - whether or not it was within Federal compliance guideline law - and still have yet to receive answers to any of the concerns, other than them claiming that they have already addressed these issues. Had they done so, I wouldn't still be asking the questions. 



In XXXX, we reached out to the Illinois Department of Financial and Professional Regulations and, on a conference call with Mr. Cooper on XX/XX/XXXX, the Director of the Department of Anti-Predatory Lending stated that it was clear that the loan does NOT appear to be within compliance guidelines. 



On XX/XX/XXXX, I re-submitted the direct questions that were asked during that conference call - which were not answered - by Mr. Cooper and have yet to receive a response. PLEASE SEE ATTACHED DOCUMENT WITH SPECIFIC QUESTIONS. 



At this time, the pay off balance on my mortgage is roughly, 200 % loan-to-value and double the original loan amount. All we're asking for - all I've asked for, for the last year, is for Mr. Cooper to properly recapitalize arrearages from a previous modification and, if warranted, provide a principal reduction so that I can modify my loan one last time and be finished with this entire process. I'm getting zero cooperation from Mr. Cooper and in response to our XX/XX/XXXX request for answers, Mr. Cooper has assigned a new sale date to our file, instead of answering the questions. 



I've attached all supporting documentation, along with a copy of the specific questions that we are asking Mr. Cooper to answer. We are prepared to move to a legal option, if necessary, but would prefer to resolve this amicably. 



Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This is not a new issue ; I only just realized that there are options to complain and try to obtain justice for the services. I'm in my current situation because the company has been dishonest from the start about repayment options and about the consolidation process. 
As of today, XX/XX/2018, I was re-enrolling in the Rate Reduction Program. I explained my new financial circumstances, including an account of all of my expenses and my income. Their response was to raise the amount I owe, even though I was technically enrolling in a RATE REDUCTION program. It was useless to use logic to explain how it doesn't make sense to request the amount they're asking for, in addition to increasing my payments, based on my income and expenses. At this point, I'm left have a high payment due each month, be unable to make this payment, and have my credit destroyed because they are not willing to negotiate a fair monthly payment. Making partial payments based on what I can afford is not good enough to them. I've consistently made all payments while in the program, so to be denied when I am truly in financial hardship is deplorable. If anyone can actually HELP I would appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was deemed a total loss after I was hit by a driver who ran a stop light. The driver of the other vehicle was ticketed and his insurance company took full responsibility. However, my insurance company, XXXX, took control of the issue and, to date, has paid XXXX {$38000.00}. There are 2 more payments pending, both of which XXXX is aware, which covers the remaining balance of {$6300.00}. 

XXXX is threatening to negatively-report me to the major credit bureaus, as my " payment '' is now 27 days late. They are forcing me to make a payment on a vehicle I can no longer use ( total loss ) and of which they absolutely know that payments have been submitted and are being submitted. The {$38000.00} should have certainly brought my account " current ''. Logic would dictate that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Credit Card Receivables Fund Incorporated
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since XX/XX/XXXX, Unifund CCR has illegally attempted to collect a credit card debt that was never verified nor presented with a contract. I have asked Unifund on several occasions to verify debt that was never done. Now, they filed a lawsuit seeking judgment without verification or proper notice under state ad federal laws. 

Concerned customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America locked my account and closed it without notice. The problem is that I was in a car accident and I had deposited a check from my car insurance company XXXX in my account in the amount of {$13000.00}, the day before BOA locked it. BOA cleared the full amount of the check and then proceeded to lock my account and then close it on XX/XX/XXXX. I was told that I would be sent a cashiers check for the balance of my account in the amount of {$12000.00}. I was told I would receive the cashiers check within 5 to 10 business days. I called so many times after the given time passed & was told theres nothing they can do for 120 days and they have no way of tracking the check. 
** Meanwhile the collision shop is waiting for {$13000.00} payment for the repairs they have performed on my car for almost a month now. 

I was instructed to go into a BOA branch and speak with a manager. After speaking with the branch manager ( I also had the collision shop speak with the manager as well ) magically they were able to track the check. I was informed to call in 2 days later for an update. On XX/XX/XXXX I called BOA risk department & was told that the cashiers check was fraudulently cashed on XX/XX/XXXX at a XXXX XXXX XXXX in XXXX Va. I live in New York. I then proceeded to put in a claim for the stolen check. 
XXXX The urgency of this matter is that the collision shop is about to put a lien on my car & then it goes up for auction & a repossession on my credit. I am a single mother of XXXX and I work for myself. My car is my livelihood for me to conduct my business. 
I called multiple times & there has been no update to my claim since XX/XX/XXXX. Customer service has been very rude to me in the process & Iam trying to find someone who can help me with this matter. 
I was told yesterday by customer service that my claim has not been updated since 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 monetary relief
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: GA
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 contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
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 Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXXXXXX DepXXXX 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 non-monetary relief
Consumer complaint received 2019-11-14
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RentDebt is Reporting a debt that I dont owe. I sent a Debt verification letter to rentdebt asking them to verify this debt. Rentdebt sent my a signed lease. That doesnt justify I owe them anything. Rentdebt is Reporting to all 3 credit bureaus that I owe them {$2100.00}.

I sent a debt verification letter to XXXX, XXXX  and XXXX. All 3 Credit bureaus came back verified. 

I went to XXXX XXXX XXXX XXXX XXXX complex to see why I owe them {$2100.00}. They informed me that they didnt have any information about me owing them anything. 

Rentdebt has not properly verified this Debt of {$2100.00} but continues to report to all 3 Credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had paid my homeowners insurance to avoid cancelation and a payment was issued to Loan Depot for a little over XXXX which was suppose to be applied to my escrow account and instead they applied it to principle. I've contacted them numorous times to have that applied to my escrow account in order to refund me. 

Instead they refunded me and shorted my escrow account yet refuse to properly post the initial payment to the escrow account instead of the principle balance.

Company response to consumer: Closed with explanation