BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: PDQ Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have only received vague correspondence from you about this debt you claim is owed. In your response you failed to provide me with an itemized list of what is owed where the balance will total {$18000.00}. I would like to know all of your additional interest and fees that might be added or included in this amount you claim I owe. Please include how this amount was reached and where it originated from. I would also, like to know when and how you obtained this debt? What type of debt is this? Is this a judgement, credit card, etc. 
Account number 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 2019-03-30
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan started with XXXX Account # XXXX This Loan was transferred to CiTi Mortgage Account # XXXX Now it is XXXX  account # XXXX We wrote a letter to your agency in XXXX due to the fact that CiTi Mortgage changed this mortgage in XXXX when they received it from XXXX. We did receive any results from this complaint so could you please submit this as a new complaint. Again we are providing proof of a letter from the Title Company in  which we closed this loan reporting that there is no Balloon Mortgage on file. In XXXX I visited the title company regarding another matter and the title company employee remember the closings from the builder of the properties and she pulled up the enclosed Amortization Schedule which shows that CiTi Mortgage not only change the loan the change the interest rate and payments lowering the payments by two dollars so that they could collect thousands. When we provided this information to CiTi mortgage nothing has change they continue to bill us has this is a Balloon Mortgage. Providing us with documents that we have no knowledge of where they came from. Now they are transferring this mortgage to another mortgage lender so they can erase all the past request to fix this mortgage. Attached is the following : The letter from XXXX, on XXXX XXXX, reporting that the terms and conditions of the loan would not change. On XX/XX/XXXX, CiTi Mortgage made the changes to our account which we viewed on line. B. A letter from XXXX XXXX reporting that there is no balloon mortgage on file. C. The correct Amortization Schedule that was received from XXXX XXXX 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 2022-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I woke up this morning to my wife asking me if I applied for credit with Bank of America and which I replied no and I immediately contacted XXXX to report as fraud and my next step is to contact Bank of America.

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 2022-01-25
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Equifax is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. XXXX is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The following accounts have violated my rights. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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.

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 2022-12-09
Company: EQUIFAX, INC.
State: VA
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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
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: Information belongs to someone else

Complaint:
On XXXX/XXXX/XXXX I was a victim of identity theft. I filed a police report and after a few weeks the detective that was handling my case found the person who did it and arrested them. I disputed several items by certified mail that remain due to this incident and sent it to Experian. When I received the dispute investigation results I saw that none of the Items were removed. I repeated this process for over a Year with still no results. So on XXXX/XXXX/XXXX I called Experian and asked what did they need from me to get these things off. I was told that I could send in the police report and so i did and I even had my dispute letter notarized as well as sent a copy of the letter that the District Attorney General mailed me as proof of me being a victim and the person that was arrested in connection with my case. Yet these items still remain.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a loan for my truck with XXXX and they havent reported a payment since over a year ago. I also have late payments that are not true on my report.

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 2020-01-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This summer I was able to receive a forbearance due to hardship with XXXX, however, Nelnet was unreachable. I submitted the application through the Federal website and when I attempted to call, confirm, and proceed with the action with Nelnet as I had done easily with my other service provider, I was unable to reach a representative by phone. I called multiple times and waited 30+ minutes each time before hanging up. I sent an email and it took months for them to reply, by then my account was past due and my credit score had been reduced. This is unacceptable!  Months later when my XXXX forbearance has ended, I made another attempt to bring my account current with Nelnet and was able to speak with someone by phone with minimal wait time. Why ignore my calls until my account is way past due? I had hoped to have the forbearance back dated and the negative reporting to the credit agencies eliminated, they refused and countered by suggesting that I had never qualified for a hardship in the first place. I wonder how is it possible to qualify with one loan provider and not another? I also wonder how is it acceptable for a company to ignore customer calls until their account is past due? I had no issues with Navient, and nothing but roadblocks with Nelnet. I believe that Nelnet is negligent and their practices need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 2018-01-13
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: Account status incorrect

Complaint:
There was a XXXX XXXX XXXX Student Loan which I took out on X/XX/2013, which was paid in full. 

Status : Paid in Full Owner : XXXX XXXX. XXXX XXXX. 
Grantor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX This account which is paid in full and closed is incorrectly reported as Delinquent and 120 days late through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : Transunion : " XXXX XXXX XXXX '' XXXX : " XXXX XXXX XXXX '' XXXX XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2018-01-04
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Because I could not meet the minimum deposit amount I requested my accounts to be changed to simple accounts and pay a min of {$5.00} fixed maintenance fee instead of the {$14.00} or {$15.00} I was being charged. I just notice today that my checking got changed to a simple checking but not my savings account and I continue to get charged a $ XXXX  monthly fee. These fees go back to when I originally opened these accounts in 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I receive upwards of AT LEAST 10-15 phone calls/voicemails every single day from Sallie Mae, in regards to my student loan bills. Due to the high volume of my medical bills that I am juggling as well, occasionally my payments to Sallie Mae are a TAD late ( tad as in a couple days to a week ), but they are always paid. I am tired of the round-the-clock harassment that I receive from Sallie Mae. My health concerns/disability are my top priority, which unfortunately is not necessarily affordable in America, and the last thing I need is constant XXXX phone calls reminding me to pay what I already am well aware of. Even if I DIDNT have a debilitating disability, the amount of times that good ol Miss Sallie Mae calls would STILL be deemed unacceptable, excessive, and extremely unnecessary. My own grandmother cant even leave me loving voicemails sometimes because XXXX keeps blowing up my voicemail box, and its extremely tedious to repetitively delete all of XXXX hundreds upon hundreds of voicemails that shes left for me. I have wasted MINUTES, I repeat MINUTES, of my life deleting voicemails from Sallie Mae. Wasted seconds I could maybe deal with, but minutes? That just crosses the line. I feel as if I am being stalked and violated by a crazy ex gf that I never had, and quite frankly, I am sick of it. XXXX XXXX. RANT OVER, and thank you for coming to my XXXX Talk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed this account in XX/XX/XXXX, in XX/XX/XXXX I received an alert from XXXX  that i missed a payment on this account. so i called the bank, and was told it was a late payment for the annual fee for XX/XX/XXXX. 
I explained that I closed the account in XXXX. I was told no problem they would reverse the charges and clear my records. 
now in XXXX my credit report dropped XXXX points. I called the bank and was told i was missing payments. I went through the whole story and was assured that it would be cleared and that they would clear it off my credit report. 

that has not happened They only thing they did was mark the account paid. they did not delete the late marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
THE LONG AND SHORT OF THIS IS THAT XXXX XXXX XXXX IS DINGING ME FOR UNDER PAYING XXXX DOLLAR, IF YOULL LOOK AT ALL MY LEASE WITH FORD, IVE EITHER OVER PAY THE LEASE PAYMENT OR PAID EARLY, IT SO HAPPEN THAT I WAS A LITTLE SHORT ON FUNDS ONE MONTH SO I ALWAYS GO INTO MY BILL PAY ONLINE BANKING AND PAID WHAT THE BILL SAID, UNFORTUNATELY ONE MONTH I PAID I THINK IS WAS LIKE XXXX SO THE NEXT MONTH I WHEN ONLINE BANKING WENT DOWN MY LIST AND PAID AS I DID THE MONTH BEFORE, AND FORD MADE IT A POINT NOT TO CONTACT TILL THE 31 DAY TO SAY XXXX XXXX YOUR SHORT XXXX DOLLAR, WHEN I ASK WHY THEY DIDNT CALL ME THEY SAID WE DONT BOTHER OUR GREAT CUSTOMER, AND I SAID SO YOU WAITED TILL THE 31 FIRST DAY TO SAY AM XXXX DOLLAR SHORT SO YOU CAN DING MY CREDIT IF YOULL LOOK AT MY HISTORY YOULL SEE WHAT AM SAYING IS TRUE AND SHOULD BE CORRECTED THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX placed a XXXX account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of 20 or more points for some money that is not even owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An agreement was reached under the supervision of the state attorney general consumer affairs division for a merchant to cancel a contract and refund me {$6000.00}. This refund was issued to me on XX/XX/2022 on my Capital One credit card ending in XXXX. Even though this card was closed down on XX/XX/2022 for fraud, Capital One assured me that the card is linked to my new card and the credit should post. Till now, I have not seen the credit of the {$6000.00} being posted to my account. I have seen other credits from other merchants that were charged under the XXXX and for which all or partial credits show on my new card. 

Capital One confirms ( letter attached ) that the credit of {$6000.00} was issued by the merchant but doesn't state why they did not post the amount. 
The merchant provided me proof of credit issued ; the {$6000.00} withdrawn from his XXXX  XXXX XXXX account, Deposit Id to Capital One for the transaction all of which are enclosed here. The agreement and cancellation of my contract with the merchant is also provided here. 
Capital One confirms that the merchant issued the refund in a recent letter ( attached here ). So what seems to be the problem????? Why are they keeping my money????

Company response to consumer: Closed with explanation