BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
According to my promissory notes signed by my cosigner and myself for my UNDERGRADUATE LOANS, there is no language that stipulates a deferment amount of 120 months for an undergraduate loan or on any other paperwork support their deferment policy. Also, you will see on my attached paperwork that our disbursement does match the amount we had signed for. XXXX did not fulfill their contractual obligation and therefore, it should be voided. The amount of loan should be charged off and any payments made on behalf of the loan should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
ChexSystems, Please see attached including : - written complaint - drivers license - social security number - address - latest report from XX/XX/2023 Please have all of these unauthorized inquiries removed 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 2017-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For may years, but especially this year Citibank has been blocking purchases and while their management team has promised to text me to confirm authorization they have not and instead forced me to call in requiring 20 minutes or more to resolve. After repeated problems they offered me an upgrade card that cost {$500.00} their " Elite '' card that representatives promised would resolve the unnecessary declines that included trying to buy an {$8.00} sandwich. I have an 800+ credit rating, by the way. The new card did not resolve the issue but rather it became MUCH WORSE. I was so angry talking with their managers after repeated unnecessary declines, that I got into a parking lot car accident costing me several thousand dollars. After several incidents, I escalated the matter to their corporate office when I demanded my {$400.00} back. She said she could not do that but would credit me XXXX XXXX Airline miles. After several months, the credits did not hit. I emailed Citibank and the executive office called and denied they had agreed to miles, that was yesterday XX/XX/17. Hence my complaint today. Citibank card : ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CORELOGIC 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:
Improper use of personal information

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 2020-05-05
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX XXXX.I authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. Nordstrom TD Bank. I never authorized this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have several late payments on the XXXX account that should no longer be reporting ( I have sent several letter to the bureaus with multiple errors ) These are notorious errors that, according to the FCRA, must be eliminated and have not yet been done. 
I give the bureaus 7 days to update or delete all those late payment marks on the XXXX account that affect my credit report. It's been more than 60 days, they've had enough time and they haven't done it

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 2018-05-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX, XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX, XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a victim of predatory lending by XXXX XXXX XXXX currently oweing {$40000.00} in student loan debt. I informed the U.S. Department of LaborXXXX XXXX XXXX defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Often times the class was lead by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This money is sitting on an account at Specializing Loan Servicing since XX/XX/XXXX Account # XXXX Routing # XXXX XXXXXXXX XXXX # XXXX ( my account number ) I had called the mortgage company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX spoked to XXXX, XXXX, XXXX and XXXX. in the XXXX of XXXX XXXX. Also spoked to their XXXX XXXX. numerous times, and left numerous messages. And still the money is sitting in their account for more than a month. Please help me to resolve this issue. I am disable single father. Below a copy of the XXXX email. 


Application ID : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX We are writing to inform you that the payment below has been issued as part of your New York XXXX XXXX Assistance Fund ( XXXX XXXX ) award. The amount disbursed to the entity below is {$8100.00}. 
The following payment was made : Specialized Loan Servicing LLC XXXX XXXX Clearing {$8100.00} XX/XX/XXXX If your XXXX XXXX award includes multiple payments, they may not all be issued on the same date. You will receive a separate notification when each payment is issued. You will also receive a notification to confirm once all payments have been issued and your case is complete. If you have any questions about this payment, please contact us at XXXX ( XXXX ). 
Sincerely, New York XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-08-13
Company: AES/PHEAA
State: DC
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:
Fed Loan Servicing and all three credit bureaus : XXXX, XXXX and XXXX are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my fed loans have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting Fed Loan Servicing and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from Transunion, XXXX and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.

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 2023-08-12
Company: Advanced Collection Bureau, Inc.
State: PA
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:
Advanced Collection Bureau suddenly appeared on my credit report around XX/XX/XXXX for almost {$5000.00} collection because my ex girlfriend apparently passed away. Now they are saying I owe for her rent. I actually never received anything in the mail from them, just what is on my report. I haven't live with my ex since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to XXXX  data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted

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 2020-02-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to XXXX, Experian, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, XXXX, Experian, and 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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from CONVERGENT OUTSOURCING Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter CONVERGENT OUTSOURCING they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.

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 2023-08-12
Company: HW Holding, Inc
State: FL
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:
I moved out from XXXX at XXXX, owned by XXXX XXXX XXXX, in early XXXX and received no communication from them at all after turning in my keys. Then on XX/XX/XXXX of that same year I received a derogatory account for XXXX dollars on my credit report from Hunter Warfield with the original debt holder being XXXX at XXXX XXXX I never received a bill or any communication from any of the three aforementioned companies before that moment. I could not determine if this was outright illegal, but definitely seems unethical for reporting on an unbilled debt.

However, the main reason for my complaint is that Hunter Warfield violated FDCPA 1006.42. I did not receive any written communication from Hunter Warfield, XXXX at XXXX, or XXXX XXXX XXXX within 5 days of them reporting my debt to the credit bureaus or their first initial voicemail. Instead, I get multiple calls a day all leaving unintelligible voicemails. I made attempts to reach out to both XXXX at XXXX and Hunter Warfield via email and writing as I would rather discuss in writing, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Tried disputing old names and addresses and it has not come off Transunion

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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notification that an account was added to my consumer report. I noticed it was from XXXX XXXX XXXX. An account that was removed from my report in XXXX. I reached out to XXXX XXXX and explained to him that this account had already been removed. He said there was nothing he could do they reached out and asked for info concerning identity theft and never received anything back. 
The identity theft form came attached with a cover letter clearly stating that it was not blocked in error, along with an identity theft affidavit. They have everything they needed to remove the account, but are now playing games.

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 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XX/XX/XXXX my wife, XXXX XXXX did a debt consolidation loan with XXXX XXXX in the amount of {$25000.00} a loan was approved and the funds were just first capital one received a {$2900.00} payment account ending in XXXX which paid off the accountant for the same week there was another loan that was approved again that Money was disbursed to all the credit cards and again capital one received {$2900.00} in the account ending in XXXX that same week we canceled the XXXX which was the XX/XX/XXXX payment and {$2900.00} was supposed to go back to XXXX XXXX There were two payments that were made the same week which wouldve been a credit on the account for {$2900.00}. The credit has never been sent back. Its never been received by XXXX. I have the transaction numbers I have letters I have all kinds of documents stating that it was sent back by capital one and XXXX has never received them, and nobody can find these payments And there isnt anyone investigating these payments anymore. They were investigating all the way up until XX/XX/XXXX, and all of a sudden nobody wants to look for these payments anymore. I need help I want the check sent to me so that I can pay off XXXX  which is now in default, the people that work at Capital One see the issue they see whats going on they see the money, but there is somebody in investigations it doesnt want to fix this and take this off of my nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} 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 Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with non-monetary relief