BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-03
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: Information belongs to someone else

Complaint:
Please help me with these accounts that are destroying my life. I am a victim of identity theft and when I was XXXX my identity was destroyed and when I came back I been fighting for my identity still to this day with the country I fought to protect for the last 20 years. I was asked to get a police report and a ftc report I obtain both and just seek some help on trying to build my new life back as a retired vet. thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: NY
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:
I was charged {$620.00} on XXXX XXXX and I did not authorize this charge. I immediately called Citibank to rectify the situation and they gave me a provisional credit. I had never been to this establishment or heard of it. I got a new card in the mail. Today, on XX/XX/XXXX, I went to deposit money into my account to pay my wifi bill, and it was negative XXXX dollars. I was shocked. It said that the charge was reversed in favor of the business. However, Ive never been here and Id like to see the proof that I was here and paid for this. Im currently pregnant and unemployed and this is proving to be a severe hardship for me that I cant pay bills on this account. I have only ever filed one dispute before this and that was back in XXXX XXXX XXXX, so this is not a common occurrence for me to file disputes. I would just like my money back as it is mine.

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 2022-07-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Experian 60 days ago. I have not received as response yet and seems as if my disputes being ignored I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately 4. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$910.00}

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 2018-04-13
Company: Nelnet, Inc.
State: VA
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:
In XX/XX/XXXXmy loans were serviced via Nelnet. I was wrongfully terminated from my employment and asked for unemployment deferment / forbearance. I was told it was granted. I was told it was for up to 3 years since I was also undergoing medical care at the Veteran 's Hospital. In the meantime I filed suit against the XXXX for wrongful termination and XXXX  discrimination. My suit was resolved in my favor the Summer of XX/XX/XXXX. I am now a XXXX ( XXXX employee ) for the XXXX XXXX XXXX XXXX XXXX. Upon renewal of my clearance it came to light that my student loans through Nelnet had been sent to XXXX XXXX XXXX a collection firm for the Department of Education and placed in default status. I contacted Nelnet and was referred to XXXX XXXX  to resolve the issue even after it was determined that whoever placed my loans in forbearance only did it for a month which was puzzling. I have sent XXXX XXXX  a copy of myXX/XX/XXXX XXXX  form showing my gross income before expenses as well a bank documents detailing both company expenses and personal expenses to satisfy the proof of income requirements to arrive at a standard payment plan amount. We agreed on {$350.00} per month and the first payment was debited on theXX/XX/XXXX. XXXX XXXX  is now attempting to increase my regular payment using the gross amount on the XXXX without using any of the bank documentation proving my expenses and refuses to accept bank statements instead of cancelled checks. They also have had me upload Health Insurance documents which include the personal data of my family members which is subject to both HIPPA and Privacy laws. At this time I acknowledge I owe the debt but XXXX XXXX is violating privacy laws and refusing to act in good faith. Today, I received a letter stating that they were still using my gross income instead of my adjusted gross income which arrived in a handwritten envelope without a complete return address stating that it was from XXXX XXXX XXXX. This is a violation of the Debt Collection laws as anyone or entity attempting to collect a debt must truthfully identify themselves to the party which owes the debt. An incomplete address, without the name of the entity, does not satisfy this requirement. I need Nelnet to correct the error on the length of forbearance and have the Department of Education recall my loan back from XXXX XXXX XXXX and return it to Nelnet for proper servicing. At this time Nelnet stated they do not know how to go about it although this is the direction I was given verbally by the Department of Education. At this time all parties are dealing in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: DISCOVER BANK
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
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 information incorrect

Complaint:
I have great credit history and have scores I pulled yesterday of XXXX, XXXX and XXXX. 
when I was having a lender check Credit Bureaus for Refiance of a Rental Investment Property, they used XXXX scores of XXXX, XXXX and XXXX when I have paid my only mortgage showing on my credit bureau successful with no negatives. 
Why do they continue to use these low figures? They are a privately run group vs looking out for consumers and work with Lenders to get the most money they can. 
there are no breaks due to XXXX either with helping. I am XXXX XXXX XXXX with good credit and Social Security XXXXRental Income and should be able to refiance my Investment property. These bureaus are keeping people down as they want us to pay higher interest rates. 


Experian : Number Mortgages XXXX Score XXXX XX/XX/2022 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 2018-04-12
Company: ERC
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:
On XX/XX/XXXX I faxed a VALIDATION letter to a company trying to collect on a XXXX XXXX XXXX   bill. I have never in my life had XXXX XXXX XXXX for about 12 years I have been with XXXX. I asked for validation be sent to me with a signature of the owner of the account. I asked them to provide me within 30 days and if they could not provide the proper validation that they must cease and desist on all collections and remove any non validated information from my credit reports. I got a response and the letter is dated XX/XX/XXXX ( past the 30 days ) and all they sent was a copy of a bill, that I asked them not to send a " bill ''.

I want this collection agency to remove me from their system and remove all negative remarks on my credit files. Attached is what was sent an it is not VALIDATION!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX, XXXX foreclosed on my home on XXXX and the alleged account was with this bank. Now this XXXX  - XXXX XXXX is on my credit report as having some sort of claim on this alleged account that was closed on the above date upon illegal auction. This alleged account again should have been closed but instead now XXXX XXXX XXXX XXXX XXXX  on my credit report has somehow put this alleged account with XXXX - XXXX XXXX knowing it is closed and without my knowledge. Also it shows as show in the below to be in default of 4 payments.XXXX XXXX XXXX XXXX XXXX is trying to extort more money out of me by fabricating these false reports into my credit reports. This while further destroying my credit. 
XXXX CREDIT ALERT FROM EQUIFAX : NEW/CHANGE ACCOUNT Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/20 ACCOUNT : XXXX - XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a distribution from an inheritance from a deceased family member. I deposited into my Bank Of America checking account on XX/XX/XXXX. I received two wtitten receipts for the transaction. Those receipts inducated that funds would available on XX/XX/XXXX. Later thst day the bank changed that wait time to 10 days, XXXX. I only found out because I checked my on line account and noticed the ten day hold. Ive caled them XXXX XXXX. They will not release any portion of the funds. I told them I was unemployed, behind on the rent and running out of food at home. They refused to tekease the funds. This XXXX was written on XXXX XXXXXXXX XXXX branch and the issuer is 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 2023-11-02
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I called to ask and they told me I needed to pay {$59000.00} to reinstate my mortgage. I applied to XXXX XXXX XXXX. I was approved and I wired my money to XXXX and XXXX XXXX XXXX XXXX added theirs to mine and wired to Shellpoint Mortgage Servicer. It was wired on XX/XX/. when I called to verify that they had received the money they said no. Lt is now XX/XX/ and I called again they still they have not received the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had all my funds stolen from my American Express Serve account while I was incarcerated..I updated my address to the jail I asked for my account to be restricted so no funds could be stolen and they did not secure my account..I faxed and mailed police report proof of incarceration and that it was noway I made or authorized these transactions and they still denied my claim..my funds were supposed to be insured and I was lied to and left to deal with this on my own ..I am on a XXXX XXXX  payment plan with social security office to pay back these funds so on top of the XXXX that was stolen I also am paying it back a second time to my social security office..I want my old dispute approved and my stolen funds compensated for Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cedars Business Services , LLC said that I needed to respond to a alleged debt letter by XX/XX/2023, they have not responded in the 30 days that they said they would. I sent them a certified letter on XX/XX/2023 in which they received XX/XX/2023 for this account to be removed, to Cease & Desist all communication & that the debt wasn't valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
collection agency called my former employer, claiming to be with the XXXX XXXX XXXX XXXX. Said that they were going to send an officer there the next day to serve me a subpoena if i did n't call them back in the next 15 minutes. When i called, the person answered " corporate office. '' I asked him what company he was with and he refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Core Capital Lending LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX of core capital lending promised to reimburse the cost of my appraisal {$860.00} the money was never reimbursed! Even Only XXXX of the XXXX on my closing docs was wired to me. I sent in a complaint therefore XXXX XXXX and XXXX XXXX got angry and will not reimburse my money! fraud and lies. SO I OVERPAID ( XXXX FOR AN APPRAISAL ON A XXXX SQ FOOT HOUSE AND THEY WONT EVEN REIMBURSE THE COST AS THEY PROMISED! I HAVE RECEIPTS!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. XX/XX/2021 Mortgage company is Amerihome Mortgage Company. Loan # XXXX On XX/XX/2021, Amerihome Mortgage automatically deducted a payment of {$2600.00} out of my XXXX XXXX  account without my permission or acknowledgement. I called them and they admitted their system had made an error and that it would be reversed. They said it would take 7-10 days to show up in my account. This also over drafted my bank account 4 times of {$36.00} each for {$140.00}. After waiting 10 days and it never showed up I called them over and over asking where my money was. They then told me that it was being reviewed by a committee. I called over 20 times to get the issue resolved. I also wrote letters to the department heads as well as the VP and the CEO. I have also asked for a supervisor 5 times and was promised one would call me back, no one ever called me back or wrote back. I called in and spoke with a supervisor on the last day of the month and she told me not to worry that it would be reversed and I would not have a 30 day late on my credit. Today I received a letter stating that my XXXX payment was now late and I am in danger of foreclosure, and they are reporting me 30 days late on my credit which is unforgivable! They have never returned the funds that they fraudulently took and now they do not show that they took it out. or that I made a payment. I can prove that they took the funds and I can also prove that they never returned them to me or XXXX XXXX. I have called them repeatedly to help me and no one will. I have asked 5 times to speak to a supervisor and not once has one called me back. They are now telling me that they issued a check on XX/XX/XXXX but I never received a check, they also show that the check was never cashed. They claim they can't help me because they are all working remotely and can not get anyone on the line to correct the situation. PLEASE HELP ME ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My car was n't impounded or abandoned. The day of XX/XX/2016 my car was totaled and the police officer told me that no body shop would take the car that I should have it towed to impound. So I had it towed to the XXXX XXXX XXXX impound at XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XX/XX/2016 I contacted Toyota customer service and reported the incident and the location of the car. I contact Toyota GAP and they told me the loss department would file for the GAP. I contacted the impound and they told me that since the Toyota is legal owner of the car and the car is totaled they going to contact the Toyota MTR Credit Corp at XXXX XXXX XXXX XXXX XXXX XXXX and try buy the car from them since is totaled and he said the will proved to Toyota by sending them picture of the car and the document the car is totaled. Late when I call the impound they said that the Toyota give them permission to buy the car from Toyota. I contacted toyotacustomer service and they transfer me to another department and he told me that the car was sold to the impound. That according to my GAP agreement ( does n't require insurance ) will pay off the car and what ever remaining balance is would be waived. Which is terms my lease and GAP agreement. She also asked for copy of the police report and I faxed and mailed a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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

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