BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
Company: CITIBANK, N.A.
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:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2023-08-11
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 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 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 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 non-monetary relief
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX   XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX. Action was taken on XX/XX/XXXX. Account number XXXX XXXX XXXX XXXX XXXX XXXX. Everyday since no action was preformed by the company no wouldnt get back to me about account

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 2023-08-23
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Afternoon, This is XXXX XXXX, I use to live in XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have proof of emails going back and forth with the manager advising her 3 weeks ahead that I was going to move out of the XXXX XXXX due to raising the rent with out notice. I properly informed her send an email also filled out some paper work and returned it back through email. When I was about to move out the last day she did not even notify us where need to sign or drop off the keys. Also reasoning of moving the XXXX XXXX was infested with roaches she been notified multiple times to please do something about it but not really fix the issue where I started to get sick due to the roaches infestation. Leaving the XXXX XXXX I made sure I cleaned as much as I could but the roaches where still out she stated in a note that was no clean which thats in curtate also left due being sick I wanted to leave before I wasnt unable to make no more payments for my illness an not leave in wrong terms or have a bad credit on my side due to that also I have the agreement where it states the deposit they will use it for any circumstances am they are charging me for no reason I am unable to pay at this moment Im going in XXXX I believe I did the proper procedure in giving them enough notice to move out and not owe anything may I please be advised with some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-11-03
Company: Collins & Hilton Asset Group, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 Collins Asset Group added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Collins Asset Group has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2019 I paid off my Capital One card and was not planning on using the card ever again because of the high interest rate. The card was lost or stolen and charges in the amount totaling up to {$690.00} were charged. I have contacted Capital One multiple times and reported my card as being stolen and fraudulent charges were made. Capital One stated the card had been blocked and that I would not be responsible for the charges. Since XX/XX/XXXX I have had multiple addresses post on my credit reports that I've never lived at by Capital One. I still reside where I did when I applied for the card. I've disputed with the credit bureaus the information was incorrect with No resolve to my issues. I would like the {$690.00} in fraudulent charges removed and my credit reports updated as well as a payment that Capital One posted late in XX/XX/2019. Since then my account has been closed and I was told the information would update by Capital One but it never has and they stated it had updated my balance to show a {$0.00} balance and the negative payment was removed, but this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To Whom It May Concern ; My PayPal account is being held XXXX and I am in need of assistance. Here are the facts : In XXXX, I placed an order for my fianc for a medication from oversees - the total was {$49.00}. I never received the order and started to call the company requesting a refund. On XX/XX/XXXX, I called and requested a refund. On XX/XX/XXXX, I received an email that a refund was being processed. On XX/XX/XXXX, this company send me XXXX separate payments - not for good, not for services, not for anything other than a refund. 

I then was quickly notified that my account was being held and that all funds would not be available for 6 months. This is not acceptable. I did nothing other than receive a refund from a company being shady. 

I have been trying to relay this information to a multitude of representatives since then and keep getting told that all I need to do is send in the information related to this company, the order and the refund. I have sent everything via screenshots and today was told it doesnt look good for you. Doesnt look good is not acceptable when your company is holding funds that are from a legitimate XXXX  sale. 


Again, I am not asking for anything other than to release the funds that are rightfully mine. 


Sincerely, XXXX XXXX Paypal ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following information in my file. Two XXXX XXXX accounts with the same account number XXXX are reporting inaccurately on my credit report with two different open dates and credit limits. One report states that the account is current, while another states the account is delinquent and charged off. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please investigate this matter and delete it as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I WAS QUOTED 35% FOR A LOAN. FROM LOAN ME. ONCE I GOT THE LOAN I RECEIVED LETTER STATING I WAS GOING TO BE CHARGED 85%  BECAUSE OF MY CREDIT HISTORY. MY PAYMENT WAS DEFERRED UNTIL XX/XX/XXXX.  TO CHARGE ME INTEREST AT 85% ON THE FULL AMOUNT.  IS TH IS LEGAL?  IF I PAY THE LOAN OFF ACCORDING TO SCHEDULE I WILL PAY XX/XX/XXXX ON A XX/XX/XXXX LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Falls Collection Service Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I'm a victim of identity theft. And many accounts were forward and established with this compnay without my consent or signature. 

I recently sent documents around XXXX of 2018 adressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a balance of approximately {$8000.00} in Paypal. I requested a check for {$4000.00}. They said they sent a check on XX/XX/XXXX and deducted the money from my account but I never received the check. I called a few times only to get people that say they need to get back to me but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
You are trying to contact me at my job for about 3 weeks now. I have sent an e-mail on XX/XX/2019 to your company asking you not to contact me at my job. This is an illegally practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 I sent NCB management a letter, asking them to validate the date, which they are required to do, when asked, as part of the provisions of the Fair Debt Collection Practices Act, which they failed to do. I sent them a 2nd letter on XX/XX/20 that since they failed to validate the debt, that they were required by the FACT act Section 312, to remove the collection account from all 3 of the credit reporting agencies, which they failed to do. I sent them a 3rd letter on XX/XX/20 reminding them that they have yet to validate the debt, or remove it from my reports, and that if they didn't, then I would be taking legal action. With all 3 letters they gave the same response of, " they received my dispute, and after conducting an investigation, they were unable to substantiate the allegations of my dispute ''. I'm attaching all 3 letters that I sent, as well as the last copy of the letter they sent ( all 3 letters they sent, said the same thing ). The debt in question is a collection account, with the original creditor being XXXX XXXX, for a charged off auto loan, in the amount of {$10000.00}. XXXX XXXX is in the middle of a class action lawsuit for thier business practices, and NCB is supposed to no longer be allowed to collect on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: SC
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 contacted Equifax about the information they had in the system on my current address. they show my current address as a place I have not lived since XXXX. They had the current address as a Colorado address I left in XXXX and when I disputed the info they did not look at my documents showing my current. I attached a bank statement showing current address but they did what they do, screw things up. I tried to dispute the info again and now I am unable to attach any documents. I emailed the documents to their ETsupport and am still waiting. XXXX and XXXX have already fixed the address change but Equifax will not. I figured I would contact you first before I hand it over to an attorney to sue them for reporting false information. I just need it fixed so we may buy some property. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A few months ago, I emailed Nelnet a copy of my DD214 form and asked that the missed payments I have from XX/XX/2015 be removed, due to me being away for XXXX and not being made aware that my deferment status was ending. After checking my report today, to my dismay, nothing has been updated or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I was a cosigner on my step-daughters car with USAA. USAA said their policy was to contact cosigners if the borrower was not making timely payments. Weeks after my step-daughter had 'promised to pay ' USAA XXXX they sent me a letter saying the payment was not made and it had been reported to credit agencies. I called them, and they said, it was too late to fix it - the borrower ( my step daughter ) did not pay and she continued to promise to pay. I inquired to their policy of contacting the cosigner to make a payment before it was reported to the credit agencies - they said it was an oversight because the borrowed continued to promise to pay when they spoke to her. I was never notified to rectify the issue. I know this is their policy and they have stated this is their policy, it had happened once before and they did let me know before it was too late. This time they failed to inform me until after it was too late, they never called or contacted me via email or phone or text or other means to pay the payment before submitted the late to the credit agencies. 

They said it was too late for them to fix it, and if it did indeed end up on my credit, to file a dispute. I filed a dispute when XXXX and they returned the dispute that the creditor said the file was accurate. We ended up paying off the loan in full, so the loan is now closed and no longer outstanding with USAA. But it has effected my credit as a 30 day late and I am fairly livid that USAA could not fix it, did not follow their protocol for cosigners and have now reported my dispute was inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
I had a previous error on my credit that I was unaware of. I only discovered this error after being denied several times for loans. I had that issue resolved, but the resulting inquiries are still on my credit and have done nothing but cause more denials in credit since excessive inquiries hurt quite a bit. As a business owner I can't have these issues, especially since they are a result of a previous mistake. And the process to contest inquiries is made nearly impossible by the credit bureaus system. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Court ordered garnishment settled and Paid in Full. MIDLAND CREDIT fails to update and delete the collection from my credit report. The total due on judgement is {$630.00}, they are reporting and updating an incorrect balance of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX a company called New Rez began servicing my mortgage. The terms of my mortgage only included Flood Insurance, I was paying Property Taxes and Home owners Insurance. In XX/XX/XXXX New Rez made a payment on my Property Taxes. Over the next 10 months I made extra payments to them to repay the funds. On XX/XX/XXXX I emailed the company in an attempt to make sure that this porpblem would not repeat itself, I never received a response. I have attached a copy of that e-mail. I have since received notification that my next payment due on XX/XX/XXXX will more than double from {$1400.00} to {$2900.00}. They justified this adjustment stating that an Analysis of my Escrow account had been completed requiring the increase.

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