BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear XXXX, XXXX, Transunion Thank you for sending me your internal records of the debt ( XXXX XXXX ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by XXXX XXXX Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard 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 2020-05-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I did not receive Citibank promotional bonus {$700.00} at XX/XX/XXXX, however I confirmed with Citibank 3 times that all the requirements and criteria were met, and I was assured by Citibank 3 times that they would credit me {$700.00} around the beginning of XXXX. 

Detail timeline and actions : 1. At XX/XX/XXXX, I opened Citibank Priority Package with the promotional bonus {$700.00} upon meeting all the requirements. ( attached promotional web page screenshot - " promtionx '' ) 2. At XX/XX/XXXX, I checked the Citibank agent about the status of the bonus and the agent confirmed I had met all requirements and {$700.00} would be credited at XX/XX/XXXX. (  attached the chat screenshot - " XXXX '' ) ** XXXX at XXXX, XX/XX/XXXX : I see here that you made the required deposit amount on XX/XX/XXXX and maintained it for 60 days from the date of the deposit which was until XX/XX/XXXX. It states here that the cash bonus will be credited within 90 calendar days from the date that you completed the 60 days requirement to maintain the deposit. It should be credited on XXXX XXXX. " ** 3. At XX/XX/XXXX, Citibank agent reconfirmed all requirements were met to receive the bonus and I would receive the bonus at XX/XX/XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I review this for you and see that the account did met the requirement should be credited to the account on or before XXXX XXXX '' ** 4. At XX/XX/XXXX, I contacted Citibank agent again since I did not receive the bonus at that date. Citibank agent again confirmed I met all criteria and asked me to wait till XXXX XXXX XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I see that you have opened your account on XX/XX/XXXX 1. You have deposited the fund before 30 days that is on XX/XX/XXXX 2. You have maintained the balance for 60 days which is till XX/XX/XXXX I see that you have fulfilled all your criterias on XX/XX/XXXX Usually it takes 90 days to get credited in your account after meeting all the requirements which is XX/XX/XXXX. 

Your patience will be appreciated. 

I'm sorry if you have been provided any incorrect information earlier. 

Sincere apologies. " ** 5. At XX/XX/XXXX, a dispute about bonus was filed to Citibank. At XX/XX/XXXX, the dispute result concluded I was not qualified for the promotional bonus ( attached the dispute result letter - " document '' ). 

It was not acceptable to me that Citibank confirmed yes several times at first but did not honor it in the last.

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 2020-09-03
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: IA
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:
XX/XX/2020 I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX disputing two alleged accounts they say I owe. I do not agree I owe. Amounts of {$930.00} & {$1100.00}. Giving 10 business days to XXXX to receive my letter would give XXXX 30 days or approximately XX/XX/XXXX to reply with verification or validation of debt. I have received no response from XXXX validating debt it has been 80 days but they continue to falsely report to credit bureaus & Experian refuses to remove a debt XXXX did not validate to alleged account holder within 30 days. So theres a very easy solution. Experian simply ask XXXX to provide proof of a debt validation letter they sent me within 30 days after I disputed these debts. My dispute letter to XXXX on XX/XX/2020 clearly displayed my name, the two accounts in disagreement, and my full return address, yet XXXX  provided me with nothing to prove the 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 2019-02-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received many payloans over the years from Easy Money. Normally they are easy to work with ; however since I have to keep re-borrowing to pay bills you get in a cycle where you can't get out of them without penalty to your other bills. The fees are {$87.00} to borrow {$500.00} and I'm sure over the years they have got me for over {$2000.00} or even {$3000.00} in fees. 

I called Easy Money today, XX/XX/2019 at the XXXX, Alabama location. My loan was due XX/XX/2019 and I lost my job on XX/XX/2019 and am having to move and I didn't get a lot on my last check. My tax return is supposed to be deposited on or around XX/XX/2019. They had called my phone at least 4 times over the weekend and twice this morning ( XX/XX/2019 ) and didn't leave a message which is annoying. I knew I needed to take care of it so I called around XXXX XXXX XXXX XXXX  to the local store and identified myself. I asked that since I lost my job and my income tax was coming back on XX/XX/2019 if they could hold it until then and I would take care of it. The girl named XXXX said " absolutely NOT '' with an attitude and I told her they have done that before for a few days to let me take care of it. I specifically asked her if she had deposited it yet and she said either today at XXXX XXXX   or tomorrow at XXXX XXXX the check would go in. I specifically asked her again if she could please hold the check for 3 more days so I wouldn't get any fees. She said " absolutely not '' with attitude and I told her the check WOULD bounce if she put it through at those times and she said " you'll incur fees at your bank AND with Easy Money. '' I told her I would get it back by them taking it off the loan when the check came back and she argued with me and told me she was just sending it through immediately since I made her angry apparently. She maliciously and knowingly put the check through to incur fees when I told her specifically I could take care of it in three days. My bank will charge me {$40.00} for the transaction and Easy Money will charge me {$30.00} or something like that. It will cost me {$70.00} extra. Again, this was malicious and deliberate in order to get fees. 

In the past I have called and said I had issues and they sometimes hold it until I get can back and take care of it but XXXX refused and told me I was out of luck and she was sending the check through in order for me to incur extra fees. 

I wish you all would shut these sharks down. I do not plan to use them anymore, even if I have to eat out of a paper bag behind the dumpster. They are crooks and ripoffs and should not be in business. 

I will enter my mailing address as I don't want Easy Money or CFBP to send any mail to my actual house address for others to see. 

My home address is XXXX XXXX XXXX, XXXX XXXX, AL XXXX ; however please do not send any mail here, please use XXXX XXXX XXXX address for any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened a savings and checking account on XX/XX/2020 at Chase. They instructed me today XX/XX/2020 and gave me no reason. They refuse to give me a check for the remaining balance. Spoke to a couple of phone and in person bankers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

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 2021-02-22
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
letter was sent, no response. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the audit trail according to GAAP ) ; 2.  Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties. 
4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 

Furthermore I am the consumer in fact, natural person, original creditor, I the consumer that participated in a credit transaction ; ( Title 15 1602 The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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:
I have discovered that some accounts are not mine and I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Information belongs to someone else

Complaint:
I have discovered that some accounts are not mine and I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors

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 2018-03-31
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 fraud alerts or security freezes

Complaint:
On XX/XX/2018, I once again attempted to complete a Transunion Fraud Alert online and once again was told " We are unable to complete your request. We are unable to confirm your identity with the information provided. '' This has happened every 90 days I have attempted to reup my fraud alert and Transunion has made no attempt to fix my identity information or offer me any instructions to fix my identity information. I am instructed to call into a line operated by a robot and forced to listen to multiple ads and opt out of paid credit monitoring. Transunion continues to waste my time with these ads and will not fix my identity information. I worry that I will accidentally accept the credit monitoring one day even though I have no intentions of ever doing so. I wish Transunion will fix my identity information so I can request the fraud alert online and not have to listen to the ads on the phone requiring me to opt out of Transunion paid services.

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 2018-10-03
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had requested a payoff and paperwork back in XXXX and never received-I have disputed fees, amounts and have not received a full paperwork trail from the time loan was opened which they should have records of. I need this information for my attorney asap and keep getting runaround. Amount listed on payoff on previous complaint doesn't match recent statement-amounts keeps varying by thousands every month and it appears to be fraudulent.

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 2018-09-25
Company: Experian Information Solutions Inc.
State: FL
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 have filed numerous disputes with Experian credit reporting agency about two items on my report. I have asked for verification of these two debts but I have not received any proof of this debt. I called both agencies that have report these debts and they refuse to provide proof of this debt to me. The fist account is child support XXXX/XXXX/XXXX account # XXXX the address for this account is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And the second is child support Enforcement account # XXXX The address for this account XXXX  XXXX XXXX, NY XXXX. I have called and written this corporation and I havent received any thing from the verifing that I owe them any money please advice on what to do now!

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 2019-02-19
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: GA
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:
I am buying a home and Equifax is not reporting a credit score. I call several times and still no reporting. This is costing me alot of money and need some intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and sold on the dark web. My information also was discovered to been caught up in the XXXX breach. Now there's unknown and unauthorized accounts reporting falsely on my credit files. I now hereby demand the immediate removal of these hinderous accounts. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX  5. 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