BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
citi bank credit card has taken over the sears credit cards. I recently received my statement informing me that i signed up for a promotional payment plan that was interest free for four years and then interest would accrue. The balance owed is {$2800.00}, they are now charging me {$5400.00} in interest. When i called them about it, they were unable to supply me with proof that i signed for this promotional program. I have never signed up for these promotional programs for this very reason. I have been warned for years when i started my credit history against these types of programs. The interest is almost a 100 % charge. I demand proof of my signing for this type of program and have the interest removed from my account. As i am now attempting to cosign for my child 's student loans this will severely have negative affects on my credit rating as the balance on this card is exceeded by more than two thousand dollars.

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 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called TransUnion a few months ago. There were numerous hard inquiries that I noticed on my credit report that I never authorized. I called TransUnion, first having SEVERE difficulty getting through to someone, and then being transferred back and forth between representatives which was frustrating and unprofessional. When expressing my concern with the representative, he told me that there was NOTHING at all he could do, instead directing me to write letters to the companies who performed the inquires to ask them to remove it. He offered to give me the addresses, but I declined. I feel as though TransUnion abandoned me, leaving me with nowhere to turn, as I thought they were going to help. Their lack of care and attention had caused severe harm to my credit score, leaving unauthorized inquires on for an extended period of time. I put my credit profile on a freeze for a period of time because of these but still have no resolution. 

They were as follows XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX I - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XX/XX/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 2021-11-29
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:
To whom it may concern, My name is XXXX XXXX, and I'm the proud owner of a XXXX owned business, with our primary focus is consumer credit reporting. 

For the past 30 year I have lent my talents to XXXX of corporate Americas tops in their areas of expertise. I come to the table versed in areas most consumers would never, so I hope my concern as all concerns receive a watchful eye. 

Our consumer right regarding credit reporting is being abused at will and algorithms should shoulder most of the blame. 

The following companies are the ones who must receive this correspondence and must address all the below question with a proper human response and allow for proper follow up and the follow exchange. I will no longer accept automated responses, and neither should you. 

Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXf, XXXX XXXX 

The contractual agreement or arrangement between the lenders and creditors is not being upheld by the lenders. Area specific, reporting and posting. 

Willingly or unwillingly, the lenders and credit reporting agencies have withheld accurate reporting. Area specific, true value of loss regarding charge off, profit and loss reporting. 

The lenders and credit reporting agencies are using high tech tools to circumvent consumer protection laws and acts on a federal, state, and local level. Area specific, XXXX 

The overseeing body, which is entrusted to enforce our consumer protections, has appeared to have lost the will to enforce a proper human response and adequate time for follow up. Area specific, CFPB. 

As a proud XXXX XXXX XXXX veteran of the XXXX XXXX, I swear an oath to protect this country from all enemies, foreign and domestic. My military training and skill have served me well in the private sector assessing danger on all fronts. 

Like our XXXX XXXX and XXXX XXXX, I too take my services profoundly serious. 

It's about the will to want, versus the will to say I can't. 

In closing, As a consumer I have rights. 
As a citizen I have rights. 
I equally understand if I don't exercise our right, industry will abuse our right and have us believing our rights don't exist. 

It ' time to change the narrative and ask the question no one is asking. Like, how do you serve two masters credit reporting agencies? 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX, New York XXXX Cell : XXXX Email : XXXX Website : 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 non-monetary relief
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Loans and interest was to high didn't understand the terms and conditions of the loan can't repay the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Byrider Franchising, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
When I purchased the car part of the agreement was it was under full warranty all I had to do was take it to the place they have a garage I complained about a loud noise in the engine and they would not fix the car try to tell me it was fine then it broke down on me I left and they came and repossessed it.It has been over 7 years ago and when I dispute it they keep updating it under 2 different accounts on my credit report because a collection agency is involved also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I've had this car auto loan for two years and been doing fairly well with making payments at timely fashion and I just don't feel with two years worth of payments aren't going to my principal rather to the interest rates... this past year along I struggled because I don't know why every month my payments almost doubled than the typical amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have request validation of this alleged debt, account number XXXX, from Receivables Performance Management numerous of times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I sent a demanding letter certified mail requesting once again, validation and proof of claim. Each time I have disputed this alleged debt Receivables Performance Management updated and verify the account with all three credit bureau, but as YET to send me anything validating this collection account that they are reporting I paid! I uploaded one of the letters that I sent certified, requesting Full validation.

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 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received a text from Bank of America asking if I had requested a transfer of {$2000.00}. Within seconds I answered a phone call with the BOA phone # ( XXXX ). The person on the line identified himself as a BOA employee. I did not suspect anything because I recognized the phone number and I just had received the text from BOA. The person advised me that {$3500.00} had been transferred to a XXXX XXXX account and that he would help me get my money bank. He proceeded to give me directions and eventually did XXXX transfers totaling {$3500.00} back to me. He advised me that he would lock my mobile app for 24 hours and he would call me back in 24 hours to verify that the money was back in my account. He called back the same day approximately at the same time, I logged onto the mobile app and discovered that the {$3500.00} was still not in my bank account. The person then advised me that the money was actually transferred to a XXXX account and that we would do the same procedure as the day before. I did another XXXX transfer of {$3500.00} back to " me ''. He advised me again that he would lock my mobile app for 24 hours and call me back to verify that the monies had transferred back to my account. On XX/XX/21 when he failed to call me back at XXXX XXXX. I dialed the phone # XXXX and was advised by BOA that there was no record of a BOA employee contacting me and that I had been scammed. I filed a fraud and scam claim and both were closed not in my favor. I was advised that they would not be reimbursing my {$7000.00}.

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 monetary relief
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: NY
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:
They still dont let me see or get my credit report : : : ,seems to me they dont want to fix it, unless I subscribe to monthly paid plan they offered???. I dont have any loans, or any mortgages nor do I have any car loans or payments : : : and they keep asking me this questions in order for me to sign in and print my credit report ) ) ) 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 non-monetary relief
Consumer complaint received 2017-08-01
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} Navy Federal Credit Union No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response. On XX/XX/2020 I mailed another letter. Still no response and these inaccurate accounts are still showing on 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 explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed EXPERIAN, XXXX, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

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 2021-04-06
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: Public record information inaccurate

Complaint:
there are several inaccurate items on my credit report including bankruptcy which i have a letter from the courts stating they did not provide this information please assisit me in having this removed from my 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 2019-10-22
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received written communication from lvnv funding llc in XX/XX/XXXX. Not recognizing the debt and certainly not accepting the amount, I disputed the debt in writing within 30 days. They responded with a breakdown showing the wrong amount and not accounting for it anywhere. They are attempting to collect a debt they can't even properly validate. I gave them 30 days to respond showing a breakdown of how they got the amount they did, but they never responded. I want it off my credit report since I consider that an attempt to collect a debt they could not validate the actual amount from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
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'm writing to please ask for some help to get this fraudulent item remove from my credit report it is causing a lot of heath issues i have XXXX XXXX XXXX i have to get alot more medication because of this fraudulent account on my credit report its the next step i will have to get my attorney to help me out about this issue

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 2019-03-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I moved out of an apartment ( XXXX XXXX ) ran by XXXX XXXX XXXX XXXX that was shared with me, my wife and child, sister n law and her significant other. We gave notcie to property XXXX XXXX on XX/XX/XXXX that we would be moving out XX/XX/XXXX due to my new job in another city. I asked for the paper to sign stating that we were moving and he said he would bring it by our apartment. 2 months went past and we had a walk through of the apartment with property manager XXXX on XX/XX/XXXX in Which there was absolutely no damage. He then provided me with a notice to move document with no date in which I said i would not sign unless the document was pre dated to the correct date. I DID NOT SIGN the document, gave him back the key to the property and he said he would have the property management company call me in which they never did. My deposit was kept and I was told that I didnt give 30 days notice to vacate and that the notice I gave came on XXXX XXXX in which me and my family were not in the city at the time. The signature on the Notice to Vacate is NOT MINE, nor did I ever sign one. I was later charged {$1300.00} for carpet replacement and unpaid rent. All charges are false and documents are falsified.

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 2020-11-26
Company: Experian Information Solutions Inc.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 non-monetary relief
Consumer complaint received 2021-04-06
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation