BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Citibank has been failing to make recurring payments from my account to XXXX XXXX the credit card company this month. 
I keep seeing unauthorized charges on my account as well as double payments to XXXX. XXXX claims they did not make a {$25.00} payment on my account. It later fell off, but it caused problems with my account being overdrafted. 
XXXX XXXX tried to make a credit to my account and Cit Bank refused it, because they say that my account was blocked due to non-sufficient funds, which was caused by unauthorized and double payments to merchants. The payment from XXXX XXXX would have taken my account out of the negative CitiBank is mismanaging my account every month and causing my account to be over-drawn. 
I'm asking for a full investigation

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 2022-08-08
Company: EQUIFAX, INC.
State: MS
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 XXXX 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. ( I never gave XXXX XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My paychecks started getting garnished from a collection agency for a debt I never knew about, the apparent debt is 12 years old, the agency claims they contacted me once 10 years ago, and never again for the last 10 years. Ive never in the last 10 years received any statement, bill, notification, phone call, or any attempt to contact me regarding this alleged debt.

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 2023-05-12
Company: Velocity Portfolio Group
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 information incorrect

Complaint:
The reason I am submitting my complaint is because I paid the account in full and I have come to an agreement with CKS Prime Investment, The Lates were to be removed and no longer reported.

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 2021-07-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, EQUIFAX, XXXX they also have records of files that are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX EXPERIAN they also have records of files that are wrong.

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 2019-09-10
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.

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 2018-05-08
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial was paid in full in XX/XX/2018. I have called, disputed it with the credit reporting agencies, ( XX/XX/2018 ) that the loan is paid in full but still shows open on my credit report. When I called GM ( XX/XX/XXXX & XXXX ) they states that they didn't do updates bcuz they were switching over to a new system which is unacceptable to me. It has affected my credit. When the credit reporting agency contacted them they told them it will be corrected but it's been months and it's still not reported correctly. I called XXXX again ( XX/XX/XXXX ) today & they are still giving the same story. I was also told in XXXX, I will get a Paid If Full letter, it was not generated so I requested it again today. I'm trying to get a mortgage & having 2 open car loans when I only have one is a issue. It's showing my debt higher than what it actually is. Please help. Consumers should not be penalized for XXXX XXXX issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Unable to access my credit report error message when initiating a dispute through Experian 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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
TransUnion and XXXX are incorrectly reporting a State Tax Lien.

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 2021-03-25
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I AM CONCERNED ABOUT THE ARTICLE I READ XXXX FINANCE ABOUT STUDENT LOAN CANCELLATION FOR STUDENT WHO ATTENDED XXXX  XXXX XXXX DECEPTIVE AND MIS LEADING PRACTICES ESPECIALLY XXXX  GO BACK SCHOOL WE HELP YOU FIND JOB ADVERTISING DIFFERENT AFFILIATES WHO THEY PARTNERED WITH. 

PROBLEM I HAVE IS THAT MYSELF AND THOUSANDS OF OTHERS WHO ATTENDED FROM XXXX, XXXX XXXX UNTIL XX/XX/XXXX. ARE NOT ONLY BEING LOOKED OVER BUT WE WERE THE VERY STEPPING STONES USED AS DECEPTIVE AD TO HAVE OTHERS ENROLL IN PROGRAM. I WAS RUNING XXXX XXXX XXXX XXXX AND XXXX XXXX WHEN THEY DUPED ME INTO GOING BACK SCHOOL. XXXX  YEARS LATER STILL SAME BOAT. 

I AM REQUESTING ACTION AGAINST XXXX XXXX XXXX AND FTC FOR OVERLOOKING IMPORTANT KEY FACTS TO WHAT WAS HAPPENING. 

I EVEN OFFERED TO MAIL XXXX XXXX XXXX XXXX XXXX  BACK TO XXXX  AT XXXX XXXX XXXX XXXX USELESS. 

I AM AM THAT NOT ONLY MY COMPLAINT BE HEARD BUT HOLD XXXX  XXXX XXXX ACCOUNTABLE FOR THERE ACTIONS VOLUNTARILY AND INVOLUNTARILY. I HAVE FILE COMPLAINTS BEFORE AGAINST DECEPTIVE PRACTICE. I SUFFERED XXXX XXXX TRYING TO RESOLVE ISSUE ABOUT XXXX  XXXX XXXX. I AM SURE THAT THEIR ARE OTHERS OUT THERE WHO ATTENDED XXXX  XXXX  XXXX DURING XXXX FEEL SAME WAY AS I DO. I AM FIGHTING TOOTH AND NAILS ABOUT WHAT RIGHT. 
CANCEL MY XXXX XXXX ALSO. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent a permissible purpose letter to credit bureau and its been longer than 30 days and They still havent removed the account off my credit report

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 2021-06-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have inaccurate reporting of collection accounts on my credit report. I have been on this journey to update my credit report as of XX/XX/2021. I have sent several letters to Experian and XXXX  to delete this information. As of XX/XX/2021 XXXX  has deleted these collections from my report. I am requesting that Experian and XXXX  follow suit. Attached is a copy of my XXXX  report. Thank you in advance for your cooperation.

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 2019-03-27
Company: Nelnet, Inc.
State: CA
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:
Every time I try to get ahead on payments, they change the way their interest is allocated or say that I missed a payment even though I'm on auto debit. They have stretched out interest payments as long as they can always finding ways to not actually allocate my money to the principal of my loans. I have now probably paid a few thousand extra or will pay in interest because they can't just be straight forward and take money out and apply it to loans that are supposed to receive the money. Their system makes no sense and it seems they're just trying to keep the payments going for as long as possible to XXXX as much money out of me as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: ALLY FINANCIAL INC.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 I got a loan in the amount of {$900.00} from XXXX XXXX. They advised on the phone before I received the money that don't worry about the amounts displayed on the screen we don't charge like that so I then decided to take the loan. Over the course of the loan they had withdrawn more than {$2300.00} without my authorization from my checking account and the money owed never went down. I advised my bank to refund their money back and to refund me all money taking on false pretense from the merchant Ally Bank advised they were in the process of returning the original amount deposited if I would continue with the dispute I advised that was fine. I call back and Ally refused to refund me my money for the unauthorized charges due to misleading people who would speak to you before you received your money, XXXX XXXX agents lie to consumers advising one thing and putting another on paper in order to continue to call harass and debit a customers checking account. They charge more than 300 percent in interest which is against the law to the consumer regarding a loan. Ally Bank acted like they were going to refund my money did a dispute and no money was received lost over {$2300.00} in unauthorized charged which I called the bank and advised them.

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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my Transunion  and XXXX  credit reports immediately.

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 2018-06-14
Company: ID Analytics, Inc.
State: TX
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:
After attempting to obtain credit on an auto purchase, I received a letter in the mail stating the application had been declined in part due to my XXXX score. I have a 700+ FICO score with the major three reporting bureaus, but have never even heard of this company. Per their website a freeze/copy of the report can be obtained over the phone or by faxing or mailing my sensitive personal information ( SSN/DOB/Copy of ID etc. ) to them. After attempting contact at the number provided per their website, I was notified this can only be completed by sending the below. I am not comfortable with this, additionally their website is misleading as it states, " If you would like to request a security freeze, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 )  submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year )

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 2021-06-02
Company: Mountain Run Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX  credit shows a collection on my credit for {$390.00} reported by Mountain Run Solutions. Last Reported on XX/XX/XXXX. 

I have disputed this claim every month since XXXX with the credit bureaus, only to have Mountain Run Solutions report that I owe the money, month after month.

I won't get into why I don't think I ever owed the money in the first place, because I did ultimately settle the account for less than the amount they claimed I owed in exchange for a letter of deletion to have the record removed from my account. Which I paid on XX/XX/XXXX. 

Here is where things get interesting. I had been contacted by a different company all together XXXX XXXX XXXX whom I paid. XXXX possible violation if multiple companies are trying to collect for the same debt. ) On XX/XX/XXXX I sent a certified letter to Mountain Run solutions disputing the reported debt. The letter was returned to me.

I then sent letters to each of bureaus with a copy of the returned letter. Disputing the claim as obviously false information was being reported on my credit if the address was wrong and requested that they remove the record. The following month none of them had removed it or sent me any kink of response. However, the credit report did update saying that Mountain Run had verified the debt once again. I sent a second letter to each bureau threating suit if it was not removed. Two of the three bureaus removed it, the hold out being TransUnion. TransUnion just updated their records that the debt had been verified on XX/XX/XXXX. 

On XX/XX/XXXX I reached out by phone to Mountain Run Solutions. They were able to pull my account and the lady on the phone could see that the debt had been settled/paid. But refused to remove the collection since it was not paid in full. 

Keep in mind that at this point regardless of all else the amount being reported and the amount owed is different. Yet another piece of information that is undisputedly incorrect. ( Along with the Address ) I do have copies of an offer from XXXX XXXX XXXX. I have a letter from XXXX XXXX stating the account is paid in full. I can show proof of payment to XXXX XXXX XXXX. I have a certified letter returned to me that was addressed to Mountain Run Solutions. I have certified letters to the Credit Bureaus spanning several months. And, I have copies of my credit report spanning several months. 

It is my opinion that, It is not my responsibility to prove that I don't owe them. But instead It is the creditor and bureaus responsibility to prove I owe. And further more their responsibility to report true and accurate information. 

Mountain Run Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: T.S. Holdings
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:
Attempting to collect a debt that is in dispute with original debtor. No correspondence from original apartment complex concerning my issues of collecting double rent and notice to vacate while on a month to month that was expiring yet sent it to collection agency 1 year later after not responding to my concerns ( see attachments ). Was not provided an itemized statement after vacating the apartment within 14 days of charges only received a phone call from apartment collections department in which I asked for an itemized statement and was not provided one. We ( there is a cosigner and myself ) received notice from the collection agency on XXXX XXXX stating the debt. A certified return receipt letter was submitted on our behalf on XX/XX/2021 ( see receipts ) We have not received signed return receipts to date but have tracked letter and it was picked up from the post office XXXX XXXX ( see attachment ). It has been 30 days with no communication from the collection agency. They failed to respond within 30 days of the actual investigation, outcome and validity of debt. They have also reported to all major credit bureaus erroneous debt which has affected my ( our ) credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender ( American Pacific Mortgage ) has been dragging their feet since I requested our PMI to be removed. House prices have gone up in my area, along with us doing some renovations to our home. I had to call them to check on the status 3 times before they even sent out a letter asking for the list of home improvements and a check for a new appraisal. In the previous 2 calls, they said the letter would be sent out, which was a complete lie since it was not even sent out yet the 3rd time I called. All the calls were a couple of weeks apart so they wasted a bunch of my time. After receiving the letter from them and then sending back the required items, I have not heard back for a month. I called them to see whats going on, in which they responded that they have not received anything and can not check with their appraisers. They are literally dragging their feet and stealing peoples money. I had a friend who removed his PMI seamlessly with another lender so Im not sure why my lender is giving me such a hard time. Please investigate this company and take appropriate action. Thank 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 explanation