BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnXX/XX/XXXX a BILLING ERROR, letter of validation was sent to Citi credit card. I received no response. On XX/XX/XXXX I sent a second notice. I received a threatening letter stating they will report my account onXX/XX/XXXX. They also stated my account was valid without any correspondence or proof. Under the FCBA I have exhausted my administrative rights. The law states they have to acknowledge within 30 days. 90 at the most! It has been well past 90 days and all I 've received as of todayXX/XX/XXXX are copies of some account and threats stating they will report my account to the three credit bureaus as delinquent. I know my rights! This is fraud!

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 2022-04-28
Company: Nelnet, 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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Me and my family flooded XXXX of 2016 in Louisiana. Me and wife started contacting our lenders to see if we could defer some of our payments to the end of our loans since we did n't have floor insurance and most of the expenses was going to come out our pockets. My mortgage company was glad to help with and promising us the payments that we missed would be put on the back of the loan. After one year later and three sets of paper work we had to send in and countless phone calls we finally got our modification paper. XXXX XXXX dollars and two years was added to the loan. When I question them about the add the balance they could only give me assumptions of where the add was coming from and denied me the paper work showing the add. If I would have known the headache and the fact of not knowing I was going to lose our home that we are raising our XXXX children in. Do n't trust GMFS mortgage company or XXXX. After losing all my belongings I was thinking I was going to lose my house too. We thought at the time that it was a blessing but turned into a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid XXXX through PayPal for and item and I never received that item because the merchant is a scammer and he admitted it. PayPal wont let me have my money back because they dont feel like theres a problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX District of Oklahoma sits, recognize that XXXX XXXX loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with XXXX  evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken

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 2020-02-24
Company: Experian Information Solutions Inc.
State: MI
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 have a couple questions Ive contacted you directly and you have not responded 1. Why am I not able to dispute things online whenever I log into my account? 

2. Why does it say file frozen due to federal regulation?

3. Why did you add a security alert to my credit file without me asking you to.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.

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 2017-09-28
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX XXXX XXXX in XXXX XXXX. Received information to pay off a debt for a XXXX XXXX XXXX through XXXX XXXX. I paid the debt off in the amount of {$3200.00} on XXXX XXXX, XXXX. When I paid off the loan through XXXX XXXX they explained that it could take up to 90 days before I would see the reflection on my credit report. After waiting 6 months, I contacted XXXX XXXX ( XXXX XXXX ) to report to them that my credit was still negatively being affected. They suggested I contact XXXX XXXX XXXX to resolve this matter as once I paid off the debt they were no longer an active party. From XXXX XXXX to XXXX XXXX, XXXX, I repaid XXXX  XXXX XXXX another {$460.00} debt to release a hold I had on my records. Once my record was paid in full I contacted XXXX XXXX accountant in the student loan office to confirm there was a XXXX balance on all debts owed in my name to the College. She assured me that I did, indeed, have a XXXX balance. She sent me XXXX letters stating that I have paid my debts to XXXX XXXX XXXX in full. She advised me to file a dispute with Equifax which I did in XXXX XXXX, without the letters, which they closed, and another in XXXX XXXX with the letters from XXXX XXXX XXXX as proof. I received notification from Equifax on XXXX XXXX, XXXX, stating that they contacted XXXX XXXX XXXX and that XXXX XXXX XXXX said that the debt was not paid. On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX to speak with them in person about this matter. I spoke directly with XXXX XXXX who contacted XXXX XXXX who explained they never reported any of the debt to any credit bureau. Please note that Equifax is the only credit company reporting this debt in any form on my credit reports. XXXX attempted to contact Equifax. Equifax had a recording which stated that " you have reached the maximum attempts to contact Equifax '' and then disconnected the line. She also stated that she never received any documentation or phone call regarding the credit dispute from Equifax. XXXX said she 'll continue to look into it on her end and suggested I take further action as this has been negatively impacting my credit score. Equifax also advised me to follow up with XXXX XXXX XXXX providing the wrong address for the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions 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:
The company is falsely reporting inquiries on my credit report. I have contacted the company on numerous occasions on been place on hold for a long period of time for half time. When I have written letters they continuously say that they have verified the information. 

On my credit report is a fraud alert with the following statement since I was an id theft victim : XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX. 


When I see these inquiries pile up on my credit report, I am not convinced Experian is doing their job or have even investigated the matter. I have attached two of the letters that I have sent them. 

This is the last attempt for mediation before I would take them to court for negligence.

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 2017-09-28
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I paid an outstanding debt in the amount XXXX to XXXX collections. The debt was actually with a collection agency by the name of Credit Collection Services ( CCS ) located in XXXX MA XXXX. 

When speaking with XXXX on XXXX XXXX and XXXX XXXX I could not get them to provide me direct proof that the debt was paid after I paid it in full. At that point I spoke with the collection department at XXXX cable directly. They stated that they would report to XXXX within XXXX hours that the debt was paid. I then spoke with CCS to ensure that once they received confirmation from XXXX that the debt was paid that they would provide me in writing the clearance of the debt. They would not do this. 

I also requested the debt was removed completely from my credit report once paid as even if it shows as paid in full it still shows collection activity. They stated that XXXX does not allow them to report to delete the debt from my report. 

I have disputed this debt with all three credit agencies. 

I had dealt with another collection agency, XXXX XXXX receivables in XXXX Maryland, and they provided me with the same information requested from CCS within less than XXXX hours of paying the debt and it will be removed from my credit. XXXX XXXX Receivables WAS EXCELLENT! 

Additionally I was informed by XXXX when I contacted them of a debt from XXXX that was owed. This debt is also placed with XXXX and I am concerned that they will try to reboot it reporting it on my credit, even though the debt is older than 7 years. I made no acknowledgement that this debt was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Scott Fetzer Financial Group Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried getting a auto loan for the first time at XXXX XXXX on XX/XX/2022 and when XXXX XXXX ran my credit he gave to me my credit report and told me I wasnt eligible for a loan due to me already having a auto loan that was closed. I have never had an auto or loan. He suggested i call the company at 800 loan mart to see what was going on. I proceeded to call and had my wife XXXX XXXX explain the problem because i authorized her to better explain what was going on. We were both on the line gave them account numbers XXXX and XXXX which are the accounts shown on my credit report. None matched my name address or social security number. We were transferred numerous times. We talked to XXXX, XXXX, XXXX, and XXXX representatives from 800 loan mart and we were told the loan belongs to XXXX XXXX with the account number XXXX. We were also told that last four of the social security number used for this loan is XXXX for the account number XXXX not the last four of my social. This is a mistake on my credit report and loan mart told me i had to report it to the Bureau and let them know I already spoke with them to get it removed so i can proceed to take out my first auto and auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: TN
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:
All of the above. 
Exquifax and XXXX continue to resell fraudulent and inaccurate information to 3rd parties requesting the info. 

They resell innacurate info to new credit lines and continue to slander my good name. I have written libel from these companies. IT WILL STOP TODAY. 

Some I have authorized. Some I have not. ongoing dissemenation is further not authorized. only existing tradelines ( revolving card companies ) are ever given that permission to boost my balances. others have been continuously given my info. 

my info was sold repeatedly wo my consent. 
furthermore these companies refuse to delete info that others have. XXXX and XXXX have purged several accounts. these other bureaus have refused to comply. 

XXXX purged over 7 accounts. the others should do same-it is a FCRA violation not to. 

I have inquiries from the resell of my info I did not authorize. there is nothing " soft '' about it. 

This has unfairly affected my score and FICO, which claims its about " fairness ''. Theres nothing FAIR about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXX and XXXX  refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance to the fair credit reporting act, Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 an account without my written instructions.

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 2020-02-24
Company: EQUIFAX, INC.
State: MD
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:
Equifax has an account on my credit report that does not belong to me. I tried to dispute this information several times with Equifax on line, by phone and mail. Every avenue failed. The account in question is as follows. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$0.00} Type of Account : Revolving Credit Limit : {$2500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 23 Creditor Classification : Activity Description : Paid and Closed

Company response to consumer: Closed with explanation