BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Filed dispute with Experian on XXXX, XXXX & XXXX. The nature of my dispute was requesting contract with my authentic signature that started alleged debts. 
As of today, have not heard back from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
From XXXX I made various attempts to change my last name with Ally Financial. I was directed to call the XXXX customer service line because I need to, and quote " speak to another department ''. After making these attempts, when payments would try to clear my account they were getting rejected because the name did not match. XXXX XXXX sent me a letter stating if anymore ACH transactions tried to clear under the name " XXXX XXXX '', my account would be frozen due to fraud security which in fact did happen. After making several attempts to pay balance in good faith ( with available funds ), Ally Financial denied taking payment via over the phone with debit card. Once a few payments were made with Ally Financial via XXXX XXXX and XXXX XXXX, the fee charged through those entities were requested to be posted to the balance owed on the loan. Ally Financial refused to post the amount to the loan. And in the contract between myself and Ally Financial does not state that I have to pay XXXX XXXX or XXXX XXXX using debit is also a way of receiving secure funds, and Ally Financial denied payment of the loan using this method. Also, no communication via letter, required by PA state law was sent certified by mail in regards to repossession of the XXXX XXXX XXXX, not to the garaged address nor my husband 's former address where they attempted to pick up the automobile.. Then the company attempted to repossess the automobile twice without notice, after refusing to take payment via debit card by phone method or via Ally Financial App. After hiring an attorney, Ally Financial stated they could not speak with me, and would need to speak with my attorney. And after providing my attorney 's information, they stated they did not have it. I had to provide her information several times before any attempts to contact her was made. After one call to my attorney 's office, a call from my attorney was returned to no avail. 1 call to my attorney was made after several months of attempting to make payments using my new legal name and giving Ally Financial my attorney 's information. My attorney even wrote to Ally Financial via using their customer service emailing method and again no return email of phone call. After giving the company avid time to respond to my attorney, and stated that if the company did not respond in the allotted amount of time they would forfeit any amount owed. No response to me or my attorney was received AT ALL.

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 2023-07-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were recently transferred from XXXX XXXX to a company called Nelnet. Upon registering for this new loan service provider, I was taken to my 'account page '. Here is where my current contact info ( transferred from XXXX ), loan balances, and new monthly payment ( to start in XXXX ) were displayed. My new monthly loan payment being much higher than my last payment with absolutely no breakdown or explanation as to how Nelnet came up with this payment was the first red flag. Secondly, there is no history of previous payments on the loans that are now being carried by Nelnet. I went to the XXXX site and logged into my account there- no history of payments, communications, uploaded documents, etc were able to be found as they have been removed. This feels highly suspicious to me. Removing all documentation from the previous 5 years of payments from the XXXX site, and there being no record of transfer of that documentation to Nelnet seems, at least, unacceptable and, at most, predatory. I have reached out to both sites and have requested this be rectified or I will not be making payment on my student loans. I understand that CFPB is not at fault here, but it should be noted that this is a very sensitive time for student borrowers and actions like these do not instill confidence that student borrowers are not being taken advantage of. If you need any documentation from me, I am more than happy to provide everything I have and am willing to speak to whomever has questions for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received information regarding my original debt from this agency despite attempts to have it sent to my house. I only know of two accounts due to pulling my current credit report. I will not acknowledge debt unless original debt is validated through statement provided by original company, as is my right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank failed to honor my payment order and remittance transfer for the payment of this debt. Citi failed to credit my account and closed my account which is a violation of Truth and Lending.

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 2018-12-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a pending " item / credit hold '' on my CitiCard for US {$230.00} relating to a hotel stay posted on XX/XX/XXXX. The " charge '' was processed for XXXX euros at check-in on XX/XX/XXXX to cover hotel incidentals. The room was prepaid and when I checked out on XX/XX/XXXX no money was owed and the hotel staff told me my credit card issuer should let the credit hold " lapse '' in a few days as no money was owed. Based upon my experience with similar situations and other banks the aforementioned was reasonable and I fully expected the item would " drop-off '' with-in three to five business days as no charges would be processed. 

It has been almost two week and the item remains, I contacted Citibank on XX/XX/XXXX and was told the company 's policy was to hold pending items / charges open for 30 days. That seemed excessive and I mentioned that to the customer service representative and I was told that was their policy, but would " elevate '' my concern. 

I can appreciate the bank 's credit policy and the item in question is relatively small in the scheme of things. But it is the principle - restricting credit availability with credit holds for pending items for 30 days is excessive and arbitrary, especially when the onus should be on the vendor to process charges.

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 2021-12-10
Company: Medical Data Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 outside my normal operating hours, I received a call from XXXX stating they were Medical Revenue Service and needed to verify my date of birth in connection with a Medical debt. This was a very unusual and inconvenient time for me to be receiving calls because I engage in meditation and studies between the hours of XXXX to XXXX. I tried to resolve this matter but the caller disconnected the phone. Please help as I couldn't get this matter resolved. Thanks You for your consideration!

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 2023-01-04
Company: EQUIFAX, 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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made multiple attempts throughout XXXX and XX/XX/2021 to get in contact with this company after seeing their name on my credit report. The phone numbers take me to a line which always states that they are open, but then when it is transferring me to a representative, another prompt says they are closed. I do not have any verification of the ( 2 ) debts owed to this company and will not comply unless accurate verification is received from the creditor.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The XXXX XXXX XXXX XXXX does not belong to 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 2022-09-22
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle in XX/XX/2022 and my existing vehicle loan was to be paid off by the dealer during the trade off. The loan was not paid off until XX/XX/2022 which resulting in late payments on my credit report. The loan is now paid off however it still shows that I made 5 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2022 Credit reporting agencies were put on notice of fraudulent accounts & incorrect information on consumer 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 2018-02-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Submitted an application to add my husband to my account as a designated joint owner because he is XXXX and have provided me with a durable power of attorney. I wanted too change an account and add his deposits to my account because his bank is in North Carolina. This would make it easier for me to manage the funds because the bank in NC only have branches in NC, OK, DE and other states not close to Virginia. The Power of Attorney was on file and has been used in the past, but not too add him to my account. According to Navy Federal 's website : Joint ownership is not the same as Navy Federal membership. Federal regulations permit anyone to be designated a joint owner ; but permit only those within Navy Federal Credit Union 's " field of membership '' to become members. Therefore, joint owners are not automatically Navy Federal members, and they may not vote, obtain loans or hold office unless they are also members. A joint owner is entitled to purchase and withdraw shares with or without the member 's consent and, if designated joint owner " with right of survivorship, '' would be entitled to the share balance at the time of the members death. The joint owner may also request information regarding the account at any time and authorize the transfer of any funds in the share account. I was not provided with an attorney to read the POA but XXXX who said she was not an attorney or a paralegal. She denied my request and told me she was the supervisor. I would have to write to the Office of General Counsel. The POA is valid and gives me the authority to handle financials transactions broadly from banking to real estate and other issues. I am concerned an administrative person was handling legal matters and our access to due process was inhibited without having an attorney to even review the POA before making the denial to add my husband to my account. Additionally, my husband is incapacitated and can not sign any documents but if he was able to go into the credit union and sign the transaction would have been granted. Therefore, be cause he is XXXX a simple request was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You are reporting a collection account that I am unfamiliar with, and I believe that an investigation has not been done because this account is still reporting on my credit report. I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/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 2021-03-22
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company states that I owe XXXX in debt. Asked for a debt verification letter, was then referred to a collection agency ( AD ASTRA Recovery ). Asked collection agency for verification of debt, where they advised that they were unable to send one out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
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:
I've contacted the Company that is holding my account " Berlin Wheeler '' multiple time this month XXXX XX/XX/XXXX. I've also been contacting XXXX XXXX on behalf being the company that submitted my account to collections. I spoke to a representative from XXXX and my account was never supposed to go into collections. Berlin Wheeler on the other hand wants to hold my account and will not remove it from my credit report because there saying they don't have the capability even though they do. Now I've spoken to XXXX and they are submitting a courtesy deletion to Berlin Wheeler to remove the account from my report. I believe Berlin wheeler will not remove it and want to hold my account just because they can and it is very frustrating. I've submitted disputes to all three credit holders XXXX, XXXX, and XXXX. XXXX investigated it and removed it from there end, now XXXX updated my information but didn't remove it. Why would XXXX remove it but XXXX not. I am currently trying to buy my first home and need this removed from my credit report so I can qualify for my home. I've had this account paid off since XXXX. Please help 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 2022-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.

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