BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus XXXX, XXXX, TransUnion credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: MI
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:
I have sent letters to Equifax to correct my personal information and called them as well. The information on my credit report that needs to be corrected is my date of birth XX/XX/XXXX my address is XXXX XXXX XXXX XXXX XXXX, MI. XXXX This is not my previous address of XXXX XXXX XXXX. XXXX . XXXX XXXX, MI. XXXX. The last four digits of my social security number is XXXX not XXXX my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My Mother, XXXX XXXX XXXX, a Resident & Senior Citizen of XXXX on a fixed income with a Grandson currently serving in the U.S. Military/XXXX  was defrauded by XXXX XXXX XXXX   XXXX XXXX ( XXXX ) into purchasing a 10 year lease for a XX/XX/XXXX XXXX XXXX priced at {$19000.00}, monthly payment = 1/3 of her income with NO opportunity to rescind/negotiate the offer or retrieve her XX/XX/XXXX XXXX XXXX back. She has repeatedly requested assistance and new terms from XXXX. She can not afford to pay a 10 year lease - payments in excess of {$200.00} payable to Wells Fargo Bank. We need your help to correct this matter and protect the unfair business and lending practices performed by XXXX XXXX XXXX XXXX XXXX. 


During her visit on XX/XX/XXXX, XXXX Sales Rep., XXXX XXXX besieged her with false sales pitches and treatment, required her to sign 50+ unread/unviewed docs, while XXXX took possession of her Kia without her knowledge. XXXX sold her a lease that will out-live her Life Expectancy, contains unachievable payment terms, and released her with a vehicle that she can not drive or fully operate. Upon further inspection of docs, we realized she was sold a Special Dealer Lease for High-Risk Groups akin to those used in faulty banking business practices/mortgage lending practices that led to the Great Recession of XX/XX/XXXX. 


My Mother who visibly suffers from XXXX XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She SHOULD HAVE NEVER BEEN SOLD the vehicle. Recently, she was hospitalized and further diagnosed with early signs of XXXX XXXX. 


The fact is she was coerced into purchasing a vehicle without XXXX verifying proof of income or employment or assessing her ability to sign 50+ with no further explanation of docs executed. XXXX  erred in judgement and applied cunning and crafty business practices to defraud an Elderly Person. XXXX should have never sold her a vehicle and recently just applied the Kill-Switch/Starter Interrupter leaving her XXXX and without transportation to hospitals and outpatient care services provided by the State of Nevada for her care and protection. 


My Mother, who is Elderly and Infirm on a fixed social security income was sold goods/services without Federal Consumer Financial Protections or State of Nevada Consumer Affairs protections. We need your help for an immediate resolution on this matter and to right-a-wrong! Thank-you for your immediate assistance. We hope to hear from you soon. 

XXXX, ( XXXX ) XXXX Son of XXXX XXXX XXXX XXXX XXXX XXXX Mobile ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2021-09-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card with Home Depot  on XX/XX/2020. They never responded 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 2017-11-29
Company: AMCOL Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company is Amcol Systems collecting on some medical bills of my XXXX husband. In XXXX of this year I set up a payment plan of {$25.00} a month which is hard to pay most months being a single mother. At the beginning of XXXX I called the company and told them I needed to miss that months payment due to not having the money and the man I spoke with told me if I did n't pay the payment they would garnish my wages and take anything they could take to make the payment, so I just borrowed the money and payed the payment. On XX/XX/XXXX I called and told the lady that answered that the payment may be a few days late and she stated that If the payment was n't made by XX/XX/XXXX that I would forfeit my payments agreement with them and would then be liable for the whole amount of the bill in one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital one told me that if i opened a spark business card It would help me build business credit and it would report to my business credit report. They marketed the card to me as a Spark Business credit card. I specifically asked them during the application process would the card report to my personal credit report because I was working on my personal credit and opening new debt hurts my report. They told me that it wouldnt. Well thats not true. I found out that it did in fact report to my personal credit report. Its been hurting me ever since as I started using the card daily to run my business. Then the balance got so high from Interest rates and fees that Ive been struggling to pay it. When I called them to close it down and complain that it was ruining my personal credit report they told me that they cant close it with a balance. So I disputed the card with the credit bureaus as improper reporting. i lost the dispute. They allowed them to continue to report this to my personal credit. IT IS ruining my life to this current day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX was told by Service Rep at Citibank Credit Card that I was eligible for the XXXX XXXX XXXX bonus miles if I was approved for the new platinum card and after charging $ XXXX within 3 months. In fact, he tried to upsell to a more expensive card with XXXX miles I was eligible for. Online, I applied for and was approved for the card almost immediately. When the card arrived I activated it XX/XX/XXXX I noticed in tiny print on the back side of the Welcome letter that I was not eligible for the bonus offer due to recent opening or closing a Citi Card ( s ). I called and and was told by a Service Rep that  Citibank had cancelled a Citibank card in XX/XX/XXXX due to lack of use and that was within the 24 month period, outside of which the bonus miles would be awarded. Spoke to a supervisor, XXXX, who said the same thing had happened to him by CitiCards ( which seemed a bit unbelievable ) and he offered the solution to apply for a XXXX XXXX card not needing the 24 month period, and for which I would get points to use for hotels, airlines, etc. I told him that unless I continue to use a credit card associated with XXXX XXXX, and of which the card he suggested was not, I would lose the XXXX miles I have acquired on XXXX. I asked if they could close the new credit card and show it not opened, I would wait until XX/XX/XXXX for any new offers. Impossible, he said. After I asked for his supervisor, named XXXX, I was told he would call in 24 - 48 hours. 
XX/XX/XXXX Have not heard from Supervisor XXXX. I called Cust. Service, spoke to XXXX and then her supervisor, XXXX who acknowledged from the record I should have received a call back but no one did. She explained that my issue is a 'gaming rule ' and that NO ONE could cancel the account and show it not opened so I was now in a going forward 24 month period of not being eligible for any bonus offers, including the present one. 
XX/XX/XXXX filed complaint with CitiBank Ethics Hotline. Am advised by email I will not hear the outcome of the complaint. 

In the 20 years of being a Citibank customer, I have never registered a complaint of any kind but I can not accept this deceit of being told I was eligible and then in the tiny print, finding out I was not. Citibank customer reps seemed more interested in selling me additional products for commission than resolving my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection agency is name XXXX XXXX XXXX, who also hired another company name Weber & Olcese , PLC. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to dispute a negative mark listed on my credit file from a company I do not recognize with no, luck. I called the collection company and was told I had to pay it. 
upon asking them for a signed contract with them they were unable to produce such. 

instead, they sent me a letter with an address I don not recognize.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When trying to check credit reports through XXXX.com, XXXX and XXXX worked fine, but Equifax immediately popped up an error message that says online delivery is unavailable, and the report has to be requested by snail mail, with copies of a bunch of documentation of social security number, ID, etc. Obviously, this, coupled with them eventually sending a copy of the credit report through the mail would be incredibly risky, and it is poor practice for them even to suggest people do this, much less require it. It also did not even ask any of the identity verification questions - immediately when it switched from XXXX to Equifax, this is what popped up, so it was not an issue with anything entered incorrectly or anything like that - presumably, this would have happened to anyone trying to access their credit report. A quick search indicates this is a common problem consumers encounter with Equifax, and that it has been going on for a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: CreditNinja Lending, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX a company called XXXX XXXX XXXX emailed me regarding an account and it's balance. They stated they were going to report me to the credit bureaus if I didn't buy them. I replied back immediately letting them know that I send money every month on the XXXX of the month to the original company and the checks are being cashed and not return which means someone is keeping the money. I asked the XXXX company to apply the money to there records and ensure it reflecting the correct amount. They instead sent another email stating the same thing on 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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a coupe of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please removed these unknown items from my report as soon as possible. XXXX XXXX  XXXX {$820.00} 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 2018-05-01
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in XX/XX/2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX  this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.

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 2018-03-25
Company: Nelnet, Inc.
State: VA
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:
After almost a dozen written requests you still have refused to acknowledge or correctly apply the forbearance requested in 2017 despite your approval same. You now claim that my account is delinquent. Please correctly apply the 2017 forbearance request. If you need assistance in reconciling your records, or reconstructing records you may have misplaced, please refer to prior CFPB complaints and related documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Healthcare Receivables Group has reported an alleged debt in the amount of {$780.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Healthcare Receivables Group obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692. The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Healthcare Receivables Group on XX/XX/2021 and I await a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: ASTA FUNDING INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection agency is name XXXX XXXX XXXX, who also hired another company name XXXX XXXX XXXX XXXX XXXX. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXXXXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.

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 2021-05-05
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Today I was at XXXX inquiring about purchasing some kids watches, not financing, and the girl behind the counter said she needed my ssn to price out ( as a quote, not sale ) how much per month they would charge us for service for the watches. She assured me there would be no credit check, it was just for reference BUT 10min later XXXX XXXX alerted me that I had a hard credit inquiry on my Equifax account. I did not authorize that to happen and want it removed please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
one XXXX XXXX  account is reporting under my equifax credit reporting agency as fraud. this account i had never opened nor given authorization to have someone open this account, please have equifax to have this fraud account remove from their data base since they are not helpful at all. 
this is not mine and was opened with out my knowledge, XXXX XXXX  even has a different address on file and reporting inaccurately. i will be awaiting for your response thank you

Company response to consumer: Closed with explanation