BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2020-06-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
the following accounts are fraudulent and are not mine, I am a victim of identity theft

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: Experian Information Solutions 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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.

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 2018-04-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX.. 

WHILE ON FORBEARANCE XXXX  HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2018-06-12
Company: Monterey Financial Services LLC
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have an account with XXXX XXXX XXXX and the company that collects the payments is, Monterey Financial Services. My problem is that over the period of more than a year Iv'e been making my payments through a direct deposit account with XXXX XXXX . Last year alone, Monterey Financial has charged my account {$1400.00}, plus my maintenance fee. In return, I am not able to use my services because they accuse me of being late on my payments. Iv'e done everything possible to explain to them that this is a direct payment from the bank. Iv'e provided them with copies of my bank statements indicating that my payments have always been up to date. Iv'e been in constant communication with Monterey and even though they acknowledge that something is amiss they make no effort to right the wrong. I have come to the conclusion that this has to be a case of fraud. They hardly answer my e-mails and when they do they only ask for more copies of bank statements that have nothing to do with last year 's actions or lack of. I had a submitted a complaint with your office, but was told that either I would have to seek the services of an attorney or go to Legal Services.  Thing is, I don't qualify for Legal Services and with my XXXX XXXX XXXX XXXX pension, I honestly can not afford an attorney. I would like for you to provide me with an orientation as to how I could file charges of fraud against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up automatic payments on XXXX and the payment was not allocated as promised. I got a late payment, which was not my fault, because their payment product failed. It was a known issue at the time, but they never fixed 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 explanation
Consumer complaint received 2019-05-23
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Oh XX/XX/2018 I was the victim of 2 scam artists using the Cash App system. 
authorization code : XXXX transaction ID number is : XXXX I later complained multiple times requesting a refund which they have refused. I was told the scam artists account was closed, but then to test this i sent them {$1.00} on XX/XX/XXXX and it went right through. 

So I was lied to that their account was closed and they were kicked from the system. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, 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:
I XXXX XXXX XXXX sent in a dispute ( dispute # XXXX ) with equifax stating that North Carolina XXXX XXXX XXXX XXXX where reporting false information about my payment history. The last date that was paid to NC XXXX XXXX XXXX XXXX was on XX/XX/2016 and there hasnt been anyother payment with them since then. They Charged the account off in XXXX of XXXX I looked in my credit report and it states that i maid a payment in XXXX XXXX thats why i disputed with equifax XXXX On Speaken to XXXX with Equifax he stated that my dispute is closed and the information is correct. I asked XXXX with Equifax how did the company prove that i made a payment, he stated that they just notified them that the information is correct. I asked him did they show any proof of the payment being made. he said no. i asked him wh would you all just take the word from the company without proof. He stated that thats how they do. My complaint against equifax is that why put in a dispute if your only going to take one side without proof and its not fair. this account has been removed from my credit report from the other 2 credit reporting agencies because NC XXXX XXXX XXXX XXXX is Falsely reporeingbin accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.

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 2021-07-19
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: Their investigation did not fix an error on your report

Complaint:
I submitted documents about an account on my consumer report and this is my second attempt to get Experian to remove this account off my consumer file.

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 2021-07-19
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX  LIstings charged my card 3 times for {$450.00}. I cancelled with XXXX, they said they were in contact with CITIBANK to take the charges off my card. 
CITIBANK has put the charges back on and said I was responsible.

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 2020-06-28
Company: Experian Information Solutions Inc.
State: IN
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:
The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  4 . XXXX XXXX 5. XXXX  XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. 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 2020-06-28
Company: EQUIFAX, INC.
State: IN
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:
The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  4 . XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX 8.  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
This has to be the worst XXXX dealership of all of California. I went to this dealership just to figure out my options to return my lease which was coming to an end in a few months. I wanted to finance my car so I wouldn't have to return the lease to not pay the extra milage I went over that I was told when I first leased my car back in 2017. I had a spokesperson name XXXX XXXX who barely spoke any English. At the time there was no other spokesperson so XXXX helped me with his Bosses help the named XXXX XXXX. XXXX told me that it would be better to turn in my car lease that same day early and get another car with so I wouldn't have to pay for the extra milage and get a lower car note a month. XXXX finished me off and got me into a XXXX XXXX after turning in my XXXX XXXX. Worst mistake I made in my entire life. I realize that I seen an additional {$12000.00} on my credit report a few months later on top of my new financed loan. I went to the dealership to discuss getting that additional {$12000.00} off my credit and they explained to me that it was due to the milage from the lease I return. I wanted to talk to Edi that day and waited 1 hour and 30 minutes. But it turned out he explained to two sales people the story and told them what to tell me. I was highly upset because since he sold me the car I wanted to hear it from him which was highly unprofessional on his part. I called XXXX to discuss and all I got was them giving me attitude over the phone and told me I would have to go to the dealership to discuss the matter and get it resolve. Went to the dealership a second time and they still gave me the run around on how I still have to pay that {$12000.00} in mileage. It's been almost 12 months and I still haven't had this issue resolved with XXXX and it's affecting my credit score. I wouldn't have turn in my lease early to have to pay {$12000.00} on mileage. I would have kept my car and financed it after my lease was up as XXXX wasn't getting the car back to put it up back for sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my Citi Diamond Preferred credit card statement today XX/XX/2020 which showed that I had a charge of {$30.00} and a late payment fee of {$29.00}, almost 100 %, which is surely usury. I never received the previous bills. The company insists that it sent out the previous bills, but I never received them. I pointed out that we are in the midst of a pandemic, and the Post Office is short staffed and having problems delivering mail. I spoke to two representative at the credit card company, plus one supervisor, and they all assert that they are unable to reverse the late payment fee. This is particularly egregious since I am a senior citizen and do not like the way that I am being treated. I have had this account for over 20 years and always paid on time.

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 2018-06-30
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Several different third party collection companies continue to send me a toll bill with different amounts from a state I do not live I have pay several invoices with different amounts from almost a year ago each time I ask is there anymore invoices in the systems they say no this is it then they waive administrative fees and I pay ... I have disputed numerous times based on duplicate invoices cooying of photos and creations of invoices, receivable too old based on date of violation and no violation code on invoice and different numbers and amounts on same collection notices from different companies. I believe this too be fraud and invoice and billing abuse because I am an out of state resident. 

Again I dispute all invoices with. 


XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Oh XXXX XXXX Account # XXXX Creditor 's Account # XXXX Violation Code 0000000 I was there XX/XX/2017 I have paid numerous tolls while there and the ones sent through mail and was told that was it .... 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a followup for complaint XXXX. Upon making 1 phone call to my previous mortgage holder, i found out that the money was sitting in a corporate advance account. If XXXX XXXX had done this, they would not have erroneously sent me their nonsense letter trying to scam extra money out of me. I see from their " response '' that they have mis-applied my XX/XX/XXXX payment to XX/XX/XXXX, as well. This needs to be corrected ASAP. I have attached all relevant documents. I expect them to come correct, and to apologize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
AFNI calls repetadly for days at a time then stop for a while then start again. When I answered the lady XXXX, I asked her where she was calling from she refused to answer and responded that she heard me and didn't understand why I was asking. She was rude and disrepectful. She also stated that this was " their due diligence '' and never revealed where she was calling from. I called the number in order to find out who was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Beginning in middle of the month of XX/XX/2020, I had my only public record drop off my credit reporting bureaus. This was a Chapter XXXX Bankruptcy. ALL my other bills, car payments, credit card accounts, every single one of my accounts were current/ not a single payment late, or missed. When the Chapter XXXX Bankruptcy fell off, my credit went DOWN over 40 points that day, and it had dropped 30 plus points on other occasions, for no reason whatsoever. 
I called Trans Union, and asked them if there was some incorrect information, a collection, repossession, anything, which was causing these enormous drops. They were very evasive about giving me information, but I made it very clear that there was a 133 point difference between the Trans Union Credit Bureau ; which is currently XX/XX/XXXX-today ), and my XXXX report ( which is at XX/XX/XXXX-today )., which was a bit over 700 Points. AGAIN, no missed payments, nothing whatsoever in collections, no judgments. 
Trans Union obviously has some false information, or they are simply judging me/ rating my credit HIGHLY unfairly. I am do WELL understand there may be small variances, but this is absolutely ridiculous. I even looked into having to hire a credit specific attorney if the XXXX, Colorado area to file a suit, or formal complaint against them. They need to correct my credit bureau in a very fast manner as it is costing me higher insurance rates, and much higher rates on financial products I am being offered.

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 2018-12-26
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are 5 total entries by Credit Systems ( International ) on my credit report : # 1 - XX/XX/XXXX = {$520.00} Date of 1st Delinquency of XX/XX/XXXX # 2 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 3 - XX/XX/XXXX = {$40.00} Date of 1st Delinquency of XX/XX/XXXX # 4 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 5 - XX/XX/XXXX = {$61.00} Date of 1st Delinquency of XX/XX/XXXX I have sent repeated disputes to XXXXXXXX  ( which resulted in a breach in my credit! ) /XXXX  and have discussed it with Credit systems on the phone as well.

I had 1 XXXX in XXXX of XXXX and before I could have this XXXX, I had to pay for all of this beforehand, in full or no XXXX! I distinctly remember standing there having to wait on the person at the desk as they decided how much it was going to be as well. Not only that, as you can see two are the same amount - hence it's been duplicated! 

I have repeatedly asked that these be taken OFF my credit report with no success and need help seeing as they think they have the right over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised via the dark web, XXXX  breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX formerly 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 2021-07-19
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once again I'm sending a complaint in for XXXX  XXXX XXXX about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by XXXX  XXXX XXXX to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by XXXX  XXXX XXXX. Please remove all Great Lakes account from consumer credit report information. According to FDPCA, XXXX  XXXX XXXX violated 15 U.S.C 1692 ( c ).

Company response to consumer: Closed with explanation