BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This account suddenly reported on my credit and I have no idea what it is as XX/XX/2021 has been paid so this can not be truly a XX/XX/2021 bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of SC a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of SC. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.

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 2022-09-01
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: Personal information incorrect

Complaint:
This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
I sent XXXX XXXX XXXX XXXX a letter on XX/XX/2021, requesting my XXXX free Consumer Reports and Consumer Files and I have not received a response. 
After no reply back from XXXX XXXX XXXX XXXX, I proceeded with sending letters to all XXXX Credit Reporting Agencies on XX/XX/2021, requesting my Consumer reports and Consumer files. I have made several attempts, to obtain my CONSUMER REPORTS and CONSUMER FILES from XXXX, XXXX, and Transunion. Therefore, I am putting in a complaint on these companies. 
I have not received a reply back from neither of these companies and would appreciate if I could obtain what i am requesting.

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 2018-05-31
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company has left multiple VM identifying themselves as debt collectors looking for my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
navient reported me to reporting agency for late payment for {$0.00} on XXXX XXXX 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in Advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, American Express received my request for validation and Cease and Desist demand. Since then American Express has not properly responded to my request for Debt Validation pursuant to 15 USC 1692g. Attached down below is my original Cease and Desist demand to American Express which was delivered XX/XX/XXXX. 

Furthermore, American Express violated my Cease and Desist demand and proceeded to sell said alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX Proof is attached below. 

My legal team has stated this is clearly a violation of my Constitutional and Consumer rights. I have already contacted XXXX XXXX XXXX  XXXX and demanded a cease and desist via certified mail tracking # XXXX I have also sent a Fault in Dishonor Notice to CEO of American Express XXXX XXXX for failure of debt validation. Will be sending a default notice very soon if this harassment continues. 

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless XXXX XXXXXXXX XXXX XXXX XXXX wants to inform XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, Account XXXX XXXX XXXX XXXX, intends to invoke my remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good day, I never received any mail, or any notice of this alleged debt. I have continued to request for verification and validation of this debt but to no avail. This company continue to contact me and harass me at work and home with threats of jai l ( Attachment Warrant ) this i s the last communication i had with them. This debt is not mind, i have never had a contract with this company.

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 2022-09-01
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have e-mailed Navient in reference to the student loan forgiveness program and they stated they could not assist. I received an e-mail from them stating my loans could qualify but when I reached out to them, no one would try to assist. I downloaded my payment history and on a {$42000.00} loan, I made {$29000.00} in payments. How can my balance still be {$35000.00}. This math doesn't add up. My balance should not be this high with the low interest rate I have. Also, I wanted to know if XXXX with the XXXX XXXX would qualify for forgiveness but again no one would answer my question. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: M&T BANK CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed a motor home through M & T Bank and have made every payment!! 

The first thing I noticed with this lender 's business practices was how obsolete their installment loan department is ; they only have fax machines and a horrible computerized answering machine that takes forever to reach anyone, and they keep cutting you off. It generally takes 1 to 3 hours of phone waiting to discuss any issues with them. I have been on hold for over 45 minutes before. No online email presence unless they are selling you something or spamming you. It is very difficult for the consumer to communicate with the installment loan department. 

The second thing I noticed was even if the payment was made timely my records ), it appeared the payment would not be posted for several days resulting in late payment fees. Due to traveling around the country in a motor home, I did not find it financially feasible to correct these issues, which I really should have.

Lately, I find the lender claims no payment was made in XX/XX/XXXX, which my online banking records indicate was paid ( discrepancy found researching tax records ). No notification was given to me, and late charge fees have been applied to this account since then ( without my knowledge ). Upon searching back for tax records, I discover the charges and contacted the lender 's installment loan department. I was rudely told that this was my fault because I did not update my phone number ( cell # ) and address, yet I received a email statement from them every month. I could have been notified through that email address instead of being pumped to open additional accounts! I have found ( with a magnifying glass ) the small print that states the late fees only after being informed of their location on the statement. In contacting them, I was informed that I needed to pay all the churned late fees as well as the missing payment I have already made once, and they would then check into it. 

In the forty plus years as a real estate appraiser observing the predatory practices of lenders, I have never seen a lender as unscrupulous as this one. Please advise as to what records you need from me to verify my claim. All of my bills are paid through XXXX   's bill pay, and those records are available for  verification, but how much of it do you need? From XXXX to XXXX? Is there a way to be more specific, that's a lot of paper and a really big file to upload?

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 2022-09-01
Company: Credit Karma, LLC
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma has pushed email and app notifications for " newly approved odds '' for certain credit cards. They have given me options to select and when I proceed with the application I not only am NOT approved but it hits my credit as a hard inquiry. I understand that I accepted the terms and conditions but it was very misleading. Extremely misleading. Especially when they said this : " Credit Karma Score big for your scores. 

A new credit card could help you build your credit. 

We've picked out a few cards for scores like yours. * A new credit card could help you raise your total credit limit key to building great credit in the long-term. 

Head over to Credit Karma to make your big play. '' On XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a debt of {$4900.00} from Citibank-Best Buy in XX/XX/XXXX. XXXX XXXX contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX.  The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. Citibank-Best Buy would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and Citibank-Best Buy over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to Citibank-Best Buy, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or Citibank-Best Buy willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the Citibank-Best Buy customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to Citibank-Best Buy and the Collection Agencies.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With The Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: CITIBANK, N.A.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
First : This refers to a debit card on a Citibank checking account but your checking account form did not include " debit card fraud ''. 

On XX/XX/2019 my wallet was stolen in XXXX at approximately XXXX XXXX  XXXX time, XXXX XXXX  Eastern time. I called my banks including Citibank to notify them of the theft and was assured by all that my cards had been cancelled. 

At approximately XXXX XXXX  XXXX time, XXXX Easter time, I discovered that approximately {$2600.00} in transactions had been made on my Citibank debit card. I again called Citibank and reported this, disputing all the charges. These transactions had begun about 1 hour after my initial call to Citibank, at XXXX XXXX XXXX / XXXX XXXX  Eastern time. 

Citibank gave me a temporary credit for the fraudulent charges and said they would investigate. 

Citibank has informed me that they have decided to leave one of those charges, for {$1000.00} on my account and have debited my account for that amount. To repeat, this was a charge that occurred 1 hour after I reported my card stolen and after Citibank assured me the card was not usable.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions 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:
THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXX OF XX/XX/XXXX TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX credit can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.

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