BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: DC
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:
Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX without any success and still this 30-day late notice is a huge negative placement on my record. 

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to Equifax, XXXX XXXX XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX  dba XXXX Fedloan Services. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. Fedloan Services continued to send collection notices for this alleged debt that they would not validate under THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX Fedloan Services accepted a permanent loan modification fully satisfying the alleged debt. Money Order XX/XX/XXXX XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract  are clear according to XXXX Maryland XXXX COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. Fedloan Services is now threatening wage garnishments by way of the UNITED STATED POST OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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:
XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, XXXX, and Experian, asking for validation of debt, upon the XXXX day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.

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 2017-10-04
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a completed application for loss mitigation assistance to Ditech Financial LLC on XXXX XXXX, XXXX. I received a denial letter for my request for assistance from Ditech stating that Ditech forced a Flex Modification program on my account. I called into Ditech twice to find out about the Flex Modification and have it removed. The representatives explained the forced placed modification on my account and refused to remove it or cancel it. However, I found in the denial letter that I could appeal Ditech 's determination not to offer me loss mitigation assistance ; and the denying of my rights to learn all of resolution options available to me in order reinstate my loan. I fax in my appeal letter XXXX XXXX, XXXX to Ditech at XXXX requesting the removal of the Flex Modification program to have my loss mitigation assistance process proceed. I called back to Ditech and the representative said the Flex Modification program was not removed and my loss mitigation assistance process has not started.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: BlueChip Financial
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a loan from XXXX ( owned by BlueChip Financial ) in XXXX 2017 of {$300.00}. I did n't realize at the time that I was signing up for a loan with such an absurd APR and payment terms of 10 months. I have paid a total of {$730.00} against my borrowed {$300.00}. Of that total amount paid, only {$49.00} was applied to the principal balance, while the remaining {$680.00} went towards the interest fees. I have also recently learned that XXXX is a tribal lender, which is illegal in the state in which I reside, Missouri. Neither BlueChip nor XXXX are licensed lenders in my state, so the contract I signed is null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
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:
TransUnion and XXXX removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on 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 explanation
Consumer complaint received 2021-06-11
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collections agency, Transworld Systems Inc, claiming that I have an outstanding XXXX charge that had been turned over to collections. I almost always pay for shipping when I am at the XXXX Store so this didn't make sense. I have a basic XXXX account that I rarely use, so I logged into my XXXX account and there are no invoices or charges there. I have also never received an email or mailed invoice from XXXX for this charge. I'm concerned that this is some kind of scam where someone has billed something to my XXXX account. I did an internet search and it seems there are others in my same situation with XXXX and Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank charged me a {$68.00} overdraft fee, after their $ 12 monthly service fee ( a change in terms I was not made aware of ), caused my account to be overdrawn by {$2.00}. 

I had {$70.00} the last time I checked, they took a bunch of fees out of my account then made my account negative {$70.00}! 

This is absolute theft. I was not notified about a monthly fee, and the fee level of {$68.00} is unconscionable. 

I have closed the account, I want my money back from these people.

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 2021-04-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.

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 2021-06-11
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it. To my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with AFNI. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: WA
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:
Ive contacted equifax several times since XX/XX/2019. They are able to verify my identity over the phone, but the website does not allow me access to my reports or the dispute center because the identity verification process asked me questions that were irrelivent to me like where did you open a mortgage account what is the monthly payment on this account etc. Equifax has completely locked me out of accessing my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: CA
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:
I reported a fraudulent charge to Citibank on XX/XX/2022. The charges were from XXXX but Citibank called the charges the responsibility of the customer since I had purchased XXXX tickets on my card. I called XXXX to find out more info about the tickets, and they informed me the names of the individuals and email address which is not mine, and confirmed this was a fraudulent purchase. 

Both Citibank and XXXX have yet to issue me a refund, and continue to provide new email addresses or contacts or case numbers that I can refer to and inform me to wait for a call back from them. It is close to 60 days since the charge happened, and I reported it 16 days after it happened. I feel taken advantage of and am out the money from charges that were not 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 explanation
Consumer complaint received 2017-12-26
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Collection Company : XXXX XXXX XXXX XXXX XXXX. 
Website : XXXX Amount : XXXX Date on Notice : XX/XX/XXXX A company by the name of XXXX XXXX XXXX XXXX XXXX has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: VANGUARD FUNDING LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I applied for a hardship withdrawal from my XXXX through vanguard.I have been waiting two weeks for this process to be completed.I spoke with anXX/XX/XXXX to activate this transaction.I checked my account balance on vanguard website and thought the fund have been deposited.They were not because the initial agent who processed the request, did n't not put my account number in correctly.I spoke vanguard about this issue on XX/XX/XXXX.The agents stated that they can not add the last digit that was missing on my account.They stated that it would be 3-5 business days to reject the request.They stated that it would be an additional 7-10 business day to get my check.my closing date was scheduled for XX/XX/XXXX and will be delayed because of this issue.Total I have 3 weeks total to complete this process.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: DC
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:
There was information on these credit bureaus that related to me. A lot of this information can't be validated because there is no original creditor to validate the information and since I am the only alleged consumer of these accounts then I am the only one that can validate the information on these accounts. Then there's the issue of these so-called investigations that all come back as " accurate '' but pursuant to 15 U.S.C. 1681a ( e ) who did this credit bureaus interview to get these accurate facts? So if I am the only original consumer then I am the only person that can verify if any of the information can be factual information. And pursuant to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

And there are a lot of discrepancies in their reporting. 
I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. 
Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have never given any credit bureau or consumer reporting agency my written permission to report to them. 
I sent out letters back in XXXX to Equifax, XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: CA
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:
There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is a follow up to unsatisfactory resolution of CFPB complaint number XXXX. I was told a customer service representative left a voicemail with a direct number. I have not received any such phone call. I have been unable to liaise with Netspend for further assistance with this issue. Again, I have no contact information for who to speak with at Netspend. My accounts were closed by Netspend.

My funds in the amount of {$5000.00} are being held by Netspend and not returned to me.

I was asked to provide a Letter of Indemnity by Netspend from XXXX XXXX. As expected, since XXXX has nothing to do with Netspend holding my funds XXXX, XXXX XXXX has provided written instructions that they will NOT provide this letter. I have attached the message from XXXX for your review. Understandably, XXXX does NOT want to get involved. " Regrettably, we are unable to accommodate a request of a written release or indemnity form to provide to Netspend. While we sincerely empathize with the issues you have experienced, we ask that you continue working with Netspend and the Consumer Financial Protection Bureau ( CFPB ) in order to recover your funds. '' I really do not know what to do at this point since XXXX is unwilling to provide what Netspend is asking for. Netspend has closed my accounts in XXXX. They promised to mail the funds to my address on file which I have NEVER changed since registration. Netspend continues to hold my funds XXXX. Since filing a CFPB complaint, Netspend then says the promise to  mail the funds to the address on file was actually an error and to get the funds this whole time, a Letter of Indemnity is required from XXXX. XXXX has denied me this letter and is unwilling to get involved. I have no contact information for someone at Netspend to contact regarding this matter. I fear Netspend will continue to hold my funds XXXX citing my inability to secure this " Letter of Indemnity. '' CFPB, please help.

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