BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
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:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: AL
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 THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  Accounts # - 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 Has violated my rights.

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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$3600.00}

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 2021-10-07
Company: Nelnet, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Great Lakes is demanding that I pay them about XXXX in regards to a student " loan. '' Credit is my right. I am aware that I made a consumer credit transaction for the use of my personal purposes. The finance charges according to 15 U.S. Code 1605, is the sum of all charges and does not include paying money outside the charge. 
I am the original creditor and do not owe Great Lakes any money, I never gave them written consent to contact me in regards to the alleged debt, They owe me for falsely representing my account, adding interest to the " loan '' and sending incorrect billing statements..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express ( Platinum Card ) claims to offer " Car Rental Loss and Damage Insurance is  underwritten by AMEX XXXX XXXX ''. 

According to Amex : " This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have ... For full Terms and Conditions, see americanexpress.com/CRLDIterms. '' https : //www.americanexpress.com/us/credit-cards/features-benefits/platinum/terms.html Note that the link on the Amex 's own page to the " full Terms and Conditions '' leads nowhere and therefore important features of the insurance are not available to consumers. 

I rented a car using this card, had minor damage, submitted a claim and as a New York insured driver they sent me the following statement " ... New York Auto Policies should provide coverage under the Auto Liability section of your policy and no deductible would apply ... Given this, we are closing our file. " Very importantly, Amex sent me this notice before any contact that I or they had with my insurance company and without reviewing my insurance policy in any way. According to their own notice to me, the only basis of their decision is that I am a New York insured driver. This means that their advertising is false. They do not provide " secondary '' coverage to New York drivers. They provide no coverage at all to New York drivers. 

Note that on their website they specifically state that " This benefit is not available to residents of XXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX, XXXX and the US Minor Outlying Islands. '' But they fail to state that it is also not available in any form whatsoever to insured drivers in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Cedars Business Services, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collection notice from : Cedars Business Services , LLC Claims to be representing XXXX, attempting to collect unpaid debt. 

XXXX notified claimant in XXXX of XXXX that a traffic fine had been incurred by the lessee in XXXX of XXXX. The amount was for {$130.00} which XXXX paid. At no point was the lessee provided the opportunity to contest the charges. 

XXXX sent notification to lessee in XXXX of XXXX, more than 3 months after the rental agreement ended for the vehicle. Per XXXX policy, XXXX has 90 days to notify lessee of additional charges from the last day of the contract period. 

Lessee responded to XXXX contesting charges. XXXX never responded or acknowledge receipt of correspondence. 

6 months after initial contact, now 9 months after the rental agreement had ended, XXXX passed the charges onto debt collector Cedars Business Services , LLC. 

Representative of the Lessee contacted Cedars Business Services , LLC XX/XX/XXXX to request more information and request the debt be dismissed on the basis that XXXX had in fact violated the terms of the rental agreement, voiding any money by the lessee. 

Cedars Business Services , LLC did not provide any additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested mortgage assistance with my servicer Select Port Folio, my request is being processed. Received letter from foreclosure attorney dated XXXX XXXX XXXX XXXX stating a property foreclosure sale is set for XXXX. State of Tennessee requires the homeowner to receive notice of foreclosure sale 30 days prior to the sale date per Tennessee Code Annotated. Didn't receive letter until XXXX that is not the required 30 day notice. Did not received letter stating the mortgage debt is being accelerated from my mortgage company or the amount of the mortgage debt. from mortgage company or foreclosure attorney. Select Port Folio sent me correspondence stating a property foreclosure sale WOULD NOT be set for my home while they were processing my request for mortgage modification. 

Please Help See Attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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 is missing that should be on the report

Complaint:
Contacted XXXX XXXX since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as XXXX   does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from XXXX XXXX that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by Southwest Credit Systems around XX/XX/XXXX and was advised it was an attempt to collect a debt and they needed to verify my information before telling me what the call was about or any information at all. I advised them that I'm not providing info over the phone and I never received a letter about any debts owed to them. The caller hung up. I received various calls from the same number ( XXXX ) so I continued to block the calls. They then called from a Texas number with area code ( XXXX ) where a man with an accent did the same thing. I verified my DOB and he transfered me to someone else. I spoke to someone named XXXX and she said it was a balance from XXXXXXXX/ XXXXXXXX cable from XXXX. I advised her I was not aware of any debt and we currently have XXXX  in my husband 's name and its been like that since we've moved here in XX/XX/XXXX. I advised her to send me proof of the debt and she advised on the XXXX   account it just has my name but no address or any other info. 

She said she would send me a letter to dispute and to validate the debt. I have not received anything but they did put it on my credit even after I've never received any notification or letter from them. She advised she would file a dispute. How can they be allowed to place this on my credit without validation and I have disputed this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: GA
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:
Wells Fargo Dealer Services has started back reporting against my credit again after they were not to report anymore regarding my used auto loan due to fraudulent accounting activity was found against WFDS. My account number was XXXX. Loan number : XXXX My original complain was placed against Wells Fargo Dealer Services starting back since XXXX. WFDS stole multiple payments that were made by me and not applied towards my auto loan, fraudulently placed High Risk Auto insurance on my truck when I had full coverage on my vehicle without my knowledge. Wells Fargo Dealer Services was charging me for it through my auto loan. They had also set up an unknown interest bearing intrest account in my name with out my knowledge. Moreover, WFDS handled the accounting practice fraudulently by not applying my auto payments towards the loan but placed my payments in that unknown interest bearing account without my knowledge and tried to say they never received my trucknoayments and tried to excelerate on me to repo my truck and more. 
CFPB Complaints number XXXX dated back XXXX - XXXX. 
Consumer Financial Protection Bureau : XXXX Office of Comptroller of Currency Case ID # : XXXX. 
OCC Case # XXXX While I fought against Wells Farg Dealer Services fraudulently stealing behaviors an investigation found that WFDS acted fraudulently. 
I was awarded my truck title. I have been receiving compensation through the class action brought against WFDS. 

Resolution : Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

Attached proof for your review

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 2021-01-29
Company: Debt Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt recovery solutions / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIBANK, N.A.
State: TX
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:
XXXX XXXX the XXXX, I disputed a XXXX charge from XXXX  XXXX XXXX that I am not intended to purchase. But on the XXXX citi bank charged me the credit and on the XX/XX/XXXX they send me a letter said the dispute case is closed and I have to pay the money on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since last XXXX, I have been having problems with my capital one credit card. 

They, without reason, blocked my personal and corporate credit card of my company and also access to my online account. 

After many complaints, I have not been able to solve it since capital one needed to verify my identity, sending a code to my cell phone. The issue is that I don't live in the USA and I don't have a phone in the USA. 

According to capital one, it is the only way to verify my identity. After filing a claim with the Consumer Financial Protection Bureau, I got them to call me on my phone ( in XXXX, where I reside ) and they gave me the opportunity to send a photo of my passport ( the only document that the United States government requires - Migration Ofice - to enter the country ) and my account and credit cards were restored. 

But now, again without cause and surprisingly, my cards and access to my online account were again blocked. It really is a real nightmare since I have been a client of Capital One for 18 years, with an excellent record. 

In addition, due to the covid-19, I have had to return tickets, hotels and XXXX that I had contracted for XXXX, so I have a balance in my account, which I can not use. I request that the problem be solved by unlocking the credit cards and access to my online account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have disputed this account numerous times with XXXX  as well as reached out to Citibank to report the inaccuracies of the original first delinquency date. The most recent time I have disputed with XXXX  to report inaccuracies was XX/XX/XXXX and called Citibank and spoke with a XXXX to inform of the inaccuracies on XX/XX/XXXX as well. XXXX updated my credit report on XX/XX/XXXX with the status of account paid for less than the balance along with charge off status and line of credit type of loan. I received a letter from Citibank on XX/XX/XXXX stating that their records are accurate of the original first delinquent date. I have documentation proving my case that they wont acknowledge that I have submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my credit file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact Equifax and XXXX, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.

Company response to consumer: Closed with explanation