BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2018-05-14
Company: CCS Financial Services, 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 have been a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TD BANK US HOLDING COMPANY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2017, I was living in a student apartment complex, XXXX XXXX. In XXXX and XXXX, of XXXX, management was aware that maintenance was in my apartment three times without giving my roommates and I notice. It was in our contract, that every time maintenance was to be in our apartment, we would be notified. No one was home during these maintenance appointments. However, during one of the three visits, {$1500.00} was stolen out of my room. It also was never replaced. I thought about police report, threatened to sue management, and spoke to the property manager three times. During the last conversation, the property Manager let me know that my roommates and I, due to the inconvenience, would not have to pay the cleaning fee after we move out. Six months to a year after XX/XX/2017, I got a notification that I was being sent to collections for a cleaning fee that I never paid. The cleaning fee that has been sent to IQ Data International Inc., is a fraud account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor are these names and addresses listed on file. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have submitted EVERYTHING requested of me in the processing of this loan. Thus, meeting FHA guidelines. The underwriter has unjustly disregarded my current base salary XXXX income and has stalled the processing for my FHA loan application. I have improved my financial situation by obtaining a new job which pays substantially more than my previous self-employed business and my business experience in Entrepreneurship/upper management carries over. Underwriting wants me to wait 6 months which isn't an FHA guideline from all the research I done. 

I feel like I am not being given the same opportunity to qualify for a mortgage as other borrowers are. I have never had a gap in my employment and my current XXXX income should be used. I provided an offer letter and the VOE has been completed by my employer. I have been paid and I have provided my paycheck stub as required. In fact, I have met all conditions and the underwriter is bias and applying his/her personal agenda vs. applying the guidelines that are set forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Someone Used My Personal Information to Open a Credit Card Account with Capital One I Was a Victim of Identy Theft Someone Used My Social Security Number to Open a Credit Card Account With Capital one and this account was never open by me someone stole my identity and Open this account on on XX/XX/2019 and is showing and i notice this happen because i see this account showing on my credit report and i dont recorgnice this account and i never OPEN Any Credit Card account with Capital one and this is not the first time this happen in the pass there was other accounts open with capital one bank and this all those accounts that where open in the pass i did not open it please help me with this problem i never apply for this credit card acccount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hi, I financed a XXXX XXXX in XX/XX/XXXX XXXX Hyundai Motor Finance company. Unfortunately, my car got totaled in XXXX of XXXX. My insurance paid off the loan, since it took about a month to pay off, I also made my regular payments. At the end, I ended up in overpaying of {$900.00}. I asked for a refund, Hyundai Motor Finance agreed. They said, they mailed me a check, I didn't receive it, when I called they said, it'll take 3 months wait time, I have requested to cancel that check and send me another one. They agreed too. Then they said, they have cancelled the check and mailed me another one. To day ( XX/XX/XXXX ), I didn't receive it yet. I called them again, they said, they mailed on XX/XX/XXXX and asked me they can cancel it and send me another one. I don't understand what's the point of sending another one? I'll miss that check again but I'm not losing any other check, only missing mail is from Hyundai Motor Finance! I'm wondering if they are really mailing the check or just telling me? I should have my overpaid money by now, it's been 6+ months. Thanks

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 2022-01-07
Company: Experian Information Solutions Inc.
State: IN
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Nelnet, Inc.
State: GA
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:
Nelnet engaged in Predatory Loan Practices. 1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so They sent 3 letters with 3 different amounts for payments and admitted doing so. See previous correspondence. Now they say there not liable.

2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay Nelnet is a contractor under Department of Education and must follow those contractual guidelines 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender Nelnet has inflated interest by changing fees, Interest, payloads nd notices without knowledge to clients 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan Nelnet is a Lender and on Behlaf of Department of Education this is a contractual violation 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender Nelnet as a contractor bought or collects debt under same predatory loan guidelines that Department of Education must follow 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans The were negligent by not negatively effecting Department of Education of Collection and Targeting Effects based on the reseach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a phone after being online looking for personal loans. A guy said I was approved For XXXX and that they would just need to help me raise my credit score a little bit so the said they were going to deposit money in my acct I needed to return it right away so it looked like I was making a Payment before it was due. They said their name was freedom plus loan and that to get just deposited money into my account that I need to it right back right away. My bank showed a deposit and later I did covered the deposited that were made were not from that XXXX XXXX did cause the guy called my bank made claims and it was a credit towards the claims. I tried to reach back out to the number they were talking to me on and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i received a letter of intent to file a lawsuit by southern oregon credit service. i sent them a letter requesting validation of the debt by certified mail on XX/XX/2018. it was received by them on XX/XX/2018. to date there has been no response or communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loans were consolidated and myconsildation payments started in XXXX, however PhEAA is still actively reporting my loan in default every month as recent as XXXX. I understand the initial default being reported and not coming off for 7 years however they have not updated the report to indicate it is currently consolidated and satisfactory. It still shows as if it is currently in default and is heavily affecting my credit score. This is not acceptable. Please look into this and get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.

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 2021-10-04
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a number of calls saying I owe over {$600.00} in debt for a XXXX XXXX credit card that I have never had at all. I informed the company that I did receive a card for {$50.00} and that was it. But after speaking directly with the company they said I also had received a card {$300.00} and I informed them that I had never seen or applied for such a thing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have contacted Capital One asking for their help as I want to close the card, stop the interest and fee charges so that I can pay the card off sooner. They refused to do this, insisting that I make their determined minimum payments and still incur interest and fees. At this rate, I will only be paying off the interest and never touch the principal. They were happy to give me the card and now that I need their help to make the payments so that I can get my credit score up and finish paying the card, they do not want to help. I am also trying to link the card to XXXX XXXX so that the payments that I am making are showing and building my credit score. Capital One has blocked this so they can determine my credit score and not be truthful about how much and when my payments are made. Not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been dealing with this issue for months in attempting to correct the reporting of my account of XXXX XXXX XXXX XXXX when my account keeps getting reported/reflected incorrectly. Each month I discover the account reported negatively, I send supporting documentation to correct the issue. It gets corrected for a month, and then the following month it shows a negative status again. I do not know where the mistake lies, with the credit company or with XXXX XXXX XXXX XXXX but it needs to stop being incorrectly reported and having me spend time and money correcting the same problem over and over again. 

Over the past several months, the negative reportings have been " in collections '', " charge off '', " repossession '', and most recently " partial payment '' used interchangably. I have been paying XXXX XXXX XXXX XXXX at over the required payment for an auto loan consistently and on time ever since I got the loan in 2017. Additionally the vehicle has not been repossessed. It was involved in a motor vehicle accident, and was " totaled out ''.

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 2018-05-14
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I took out a payday loan around 5 years ago that I had every intention of paying back. I was not at the time able to do so and it was sent to collections. The collections company Midwest Recovery has called myself and my family stating I had a pending suit or that charges would be filed against me if I didn't return their call. I've also had them leave voicemails stating they were from a government office. In addition to this they are reporting on my credit that this account is only 6 months old when in fact it is around 5 years old. I don't feel that any of this behavior is acceptable or trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 mailed TransUnion a letter XX/XX/2021 that I reviewed my credit report and found unauthorized inquiries on my report. I let them know that these inquiries were unauthorized and to investigate and delete if inaccurate. They replied back to me that " Your written authorization may not be required to constitute permissible purpose. '' I called them and asked to investigate with the company to verify the information. I was told that I am to do that and not them. I wrote them another letter asking to investigate and delete if inaccurate. Did not hear anything back, so I called again. Was told the same thing. I am to do that and not them. They do not investigate inquires.

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 2020-12-16
Company: TRUIST FINANCIAL CORPORATION
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* XXXX XXXX XX/XX/2020 *Lighstream XX/XX/2020 *XXXX XX/XX/2020 *XXXX XXXX XXXX XX/XX/2020 *XXXX XX/XX/2020

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