BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a checking account with Citi earlier this year to obtain a {$200.00} promotion they were offering. 

After leaving more than {$5000.00} into my account for months ... I did not see the promotional credit. I attempted to reach out to them to obtain the credit but they were evasive and denied me. 

In early XX/XX/2019 I XXXX  out my account and asked for a closeout. After no closeout was processed, Citi proceeded to charge me a $ XXXX  monthly maintenance fee for low balance ... despite my request to close the account out and not have any money in the account. That fee made my balance XXXX ... which then triggered an automated {$34.00} overdraft fee from Citi. I proceeded to complain in early XX/XX/2019 and they indicated they would override the {$25.00} maintenance fee ... but kept the overdraft. However they assured me that both fees would be waived when closing my account on XX/XX/2019. After a week, i had to contact them again on XX/XX/2019 since my account was still not closed. 

I believe this is unethical. They first neglected to honor their promotional credit ... then charged me multiple fees to reduce the promotional credit they promised. Then they made it quite difficult to close the account ... I've made 3 Requests at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: SC
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:
Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 


Inquiry details 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 Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Mountain Run Solutions, LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX Mountain Run Solutions LLC aka Perfection Collection Services LLC is violation of federal law by reporting an XXXX account that is over 7 years old since the last payment was made on all my credit reports. XXXX XXXX XXXX XXXX was established in UT on XX/XX/XXXX is apparently practicing debt collection without a license once again. Previously, they did the same thing in XXXX under Mountain Run Solutions LLC name. The same actors, such as XXXX XXXX, seem to be running this business. A complaint with the Utah Department of Commerce will be filed over the phone this week. Please use your federal oversight to investigate these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial took money via ACH without my authorization and my account was over-paid. Then, they said it would take 14 days to pay me back. I paid my lease in full on XX/XX/2018 and cancelled further ACH withdrawals. They must not have updated their system on time and still pulled the money out of my account on XX/XX/2018. 

I understand mistakes happen, but I paid my lease payment on the due date every single month via ACH, not a single day late for the entire team. 

They take money out of my account on a unauthorized basis and take 14 days to pay me back? 

unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Convergent Resources, Inc.
State: TX
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 XXXX Account # XXXX, has violated my rights.

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 a account 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 purpose.

59

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 2023-03-11
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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to file a complaint on a collection agency, that is listed on my credit reports as R. S. Clark. This company is trying to collect two debts in the amounts of {$310.00} ( reported opened XXXX/XXXX/XXXX ) and {$92.00} ( reported opened XXXX/XXXX/XXXX ). I have made several attempts via fax for this company to please provide proof that this debt belongs to me. They have failed at providing the proof and have only submitted correspondence stating that they require more time to submit the requested information. The last correspondence that was received was XXXX of XXXX advising that they needed more time. As of date I have not received any other correspondence from this company nor have they requested for the credit agencies to remove the said debts. I have also disputed these allocations with the collection agencies as well and have been told numerous times that the collection agency filled out a form that was sent to them stating that the debt was mine. When I asked the credit agencies if the company supplied any proof to them to validate that the debt was mine, I was told that they do not have to submit any proof, that they just fill out a form and that is sent to them when there is a dispute. I also looked up on the Texas Secretary of State website to see if this agency is even bonded to collect in the state of Texas and found that they are not bonded to collect in the state of Texas. Their bond cancelled on XXXX/XXXX/XXXX. Can you please assist me with this issue? I have tried and done everything that I could to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2023-03-11
Company: WELLS FARGO & COMPANY
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Me and my father who is deceased now purchased a car back in XXXX from XXXX XXXX XXXX it was a XXXX XXXX XXXX he was my cosigner for the car it was financed threw wells fargo auto loan and since my parents passing I have moved around so my mail hasn't caught up to me I received a letter in mail but it never got to my hands it was addressed to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX nm I would like to know if I am entitled to any part of the lawsuit they had in XXXX XXXX my had been repossessed with a lein and towed by XXXX XXXX of XXXX nm I would like to know if there's anything wrong with what happened in which I never received any letters or phone calls in briefing me about the situation since my parents passing its hard to get the info from wellsfargo since it's been so long they give me no corporation in the account info

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 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
I opened a Secured Platinum Credit Card with Capital One Bank around XX/XX/2022. I sent in a {$750.00} Security Deposit to Open the account. The Deposit of {$750.00} was sent to Capital One in Check Form from my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I never received any credit card from Capital One Bank just a run around as to what the status of the account was. My personal banker at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed that Capital One Cashed my {$750.00} Check. I was then told in XX/XX/2022 that Capital One had closed my account due to they felt that I was a fraud. I want to go on record that I have deposit accounts also with Capital One and this credit account is still showing on my account ( Capital One Application ) as restricted with {$750.00} in it. I have reported this to problem to the Executive Office of XXXX XXXX and various other Managers at Capital One and still have not received a refund of my {$750.00}. Please help me get my {$750.00} that Capital One has had illegally for a year. The Platinum Credit Card account ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by Freedom Mortgage. During the process I had several payments that were sent to the old servicer and were not forwarded according to RESPA guidelines. During this time I had defaulted on my mortgage due to failure to forward the payments which has since been resolved. However, Freedom Mortgage inappropriately reported late payments on my credit report during such time. My loan is current and the issue has been corrected however XXXX has not corrected my credit reports as I was informed. In fact all three of my major credit reports reflect different information. XXXX did acknowledge and take responsibility for this issue and reversed all late payment fees but has not updated my credit 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 2023-03-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
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 XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2020-12-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It was brought to my attention, when I was trying to rent a property and got deny. They told me to check my credit report and that's what I did. And that when I saw National Credit Systems on my credit report and it was a balance of XXXX on my credit. I told them I never live at that address in question and was not aware of this on my credit. I told them I live at another address for 11 years so that couldn't be my balance. I sent them a georgia power bill of residency and rental applications I did in XXXX my georgia power bill was from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The Pennsylvania Higher Education Assistance Agency ( PHEAA ) has incorrectly denied my application for the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program, under which I meet all of the requirements for student loan forgiveness. Since my application was denied on XX/XX/2019, I have made 7 phone  calls to their customer service representatives to resolve the issue, which have been unsuccessful. The letter I received saying I did not qualify for forgiveness stated that I had only made 113 qualifying payments ( 120 must be made to qualify ). I told them I had documentation for all 120 qualifying payments I've made and on XX/XX/2019 requested a list of the 113 payments they were counting so I could check against my list to find out what 7 payments they were counting. The customer service rep said she would email me the list, 2 months later I still have not received it. She was able to tell me that 4 of the payments weren't being counted because a forbearance had been placed on my account on the dates my loan was transferred between loan servicers. I never requested a forbearance on my account and they placed one on  my loan without my permission ( note, the PHEAA is currently being sued by the state of Massachusetts for this practice ). Since they haven't sent me the list of 113 payments, I still haven't been able to determine what the other 3 payments they are not counting and why they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a personal secured loan with Navy Federal Credit Union, originated in 2018. Since that point I have been mostly current with the loan, missed a payment or two due to employment or XXXX and had a couple of temporary month or two deferrals during the life of the loan which I was told would extend the loan by that month or two. 
I have a buyer for the RV who has been renting it and has been faithful. I need to get him a purchase price. When I looked at the balance it had not been reduced by much. After 4 + years the loan has only been reduced by approximately XXXX in principal. I have asked the Credit Union multiple times through my online account to please call me to discuss. I had them send an amortization schedule which shows a near two year period of time when payments were being made but nothing was being credited to principal, all was going to interest. I have asked a CPA to look at this and he is confused. Noone has called me, they only have said that 'at the beginning of a loan, payments mostly go to interest, to which I of course agreed BUT please look at the amortization schedule, it makes NO SENSE. An online tool at www.bankrate.come shows if I had made all payments and no deferrals were given would have the balance at approximately XXXX not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX  XXXX Balance : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ( Original Creditor : XXXX ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Verisk Analytics Inc
State: WI
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:
I have been battling with XXXX and LCI since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. 
LCI and XXXX both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. 
When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is LCI. 
When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. 
Most recently both XXXX and LCI both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. 
However LCI and XXXX both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. XXXX further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. 
LCI has lost several lawsuits recently for these practices I've mentioned. XXXX and LCI must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.

Company response to consumer: Closed with explanation