BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: Merchants and Medical Credit Corporation, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a collections letter dated for XX/XX/2018 for rent owed to an apartment complex that has lied about my move out date. I submitted my letter of dispute to the collection agency and the collector that I spoke with on XX/XX/2018. They said they would investigate. On XX/XX/2018 the collector claims that XXXX XXXX says that I moved out in XX/XX/2018, which is incorrect. I have documentation that I moved out on XX/XX/2018. I had a walk through with an XXXX employee on XX/XX/2018. Before the apartment complex switched management to XXXX, I submitted my 30 day notice to XXXX of XXXX XXXX XXXX. Once XXXX took over, I called him to verify that he gave them my notice, he said that he gave all paperwork to them. I have a copy of that letter. They are illegally trying to collect funds from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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:
These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( Experian, XXXX and XXXX XXXX ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

InXX/XX/XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

XX/XX/XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

XXXX XXXX is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

Experian is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX XXXX has 6 late payments which are inaccurate 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 2019-03-05
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:
These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( XXXX, XXXX and Trans Union ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

In XXXX of XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX  XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

Trans Union is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

XXXX  is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX XXXX XXXX has 6 late payments which are inaccurate 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 2019-03-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX  credit card did not post my payment to my account in XX/XX/2018. I am unable to access my account online due to their system issues and they will not send me a paper copy of statements nor the letters related to the dispute, acknowledgement of proof of payment, findings of the dispute, the payment posting nor the amended reporting to the credit agencies due to XXXX not posting my payment. I was verbally told in XXXX that the dispute was resolved in my favor and I continuously call requesting and demanding MAILED copies of every letter related to this transaction and I have yet to receive one piece of mail OR a mailed statement which I have asked to receive the mailed letters numerous times. 

I just want these letters.This is a traumatic frustrating experience that has caused me so much stress. I do not understand why I can not receive the information that is mine and to obtain information to ensure my credit is appropriately restored and reported I have informed d, I very with the post office and not one piece of correspondence has been received at the post office

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 2021-05-28
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I get notifications on my phone any time a withdrawal is taken from my direct express card I pay all of my bills with this card and I also shop online with this card, all of my purchases and bills are the same every month so my question is why would they allow a purchase from somewhere I never shop to go through and on top of that they let it happen not once or twice but 3 times and after the first time when I called and complained about it I never got my money back and it has happened twice since then. Today XX/XX/2021 is the first time I actually read the terms and conditions and It says that they would freeze the card if they suspect suspicious activity, well if thats true why didnt they freeze my card when they saw these purchase on my account especially when I called and complained that I didnt make this purchase the last time this happened was XX/XX/2021 about two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have placed a credit freeze with Equifax in XX/XX/XXXX when I set up an account with them. It was successful, however now in XX/XX/XXXX when I'm trying to temporarily lift the credit freeze they wouldn't able to process it saying they need more information from me and the only way to dispute that is to fax or mail in my VERY sensitive information including a copy of my social security card. They still weren't able to figure out what's wrong with my account and refuse to let me manage my security freeze -- -that they let me place 3 months ago with no problems. I have no issue lifting the freeze with any other credit agencies but I'm helpless right now because I am unable to manage my own credit report status and unable to do anything that involves a credit check. 

I've wasted numerous hours talking to them and all they said was they don't know what the problem is and will only commit to sending me a mail to explain the problem -- -I am moving soon and probably wouldn't even get that mail. I'm back to calling and calling and they don't seem to want to help solve the issue at all. This has been ruining my life and has been giving me anxiety over the fear of losing my identity. I don't understand why Equifax is the only credit agency giving me problems and refusing to provide adequate care. Their whole free security freeze service is a joke and the company disrespects my time and effort. It is horrifying in XXXX a company like this does not offer a secure online portal to submit sensitive information and I'm truly hurt and disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating 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 non-monetary relief
Consumer complaint received 2023-08-17
Company: Nelnet, Inc.
State: NC
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:
I know for a fact I've never done a variable rate loan. They are claiming that my interest rate is 7.7 % variable and I asked for the master promissory note and they told me that it takes 3 months to get it. 

There are also erroneous fees and accrued interest charges for periods that I have been on in school deferment, covid deferment, and military deferment. I am ready to pay this loan off but I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
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:
My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Experian has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: Resurgence Legal Group, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attached a letter with the details of this incident. Resurgence Legal Group is trying to collect a small debt that was paid ( principle ) from 11-12 years ago. They said they bought the old account. They have refused to give me any documentation regarding this " account they bought from another entity ''. Please read the letter that is attached. I have also attached 6 pages scanned that I got from XXXX regarding the freeze of my assets. 
Thank you for your attention to this matter as I have zero access to my money in my account with XXXX. 
Thank you, sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi, it's impossible that an investigation was ever done on this account from XXXXXXXX XXXX  Credit card with a balance of {$380.00}. XXXX had deleted and permanently removed from their data, but however, XXXX and Transunion continue to ignore my request. 

Look closely at the attachments and you'll see that its impossible that this account could ever be verified under consumer laws. It's reporting 2 different dates under the Dates of last active ( TU : XX/XX/XXXX ; & XXXX : XX/XX/XXXX ) Inconsistent with payment status or payment history. Once account has been charged off and closed there shouldn't be any more payment history like XX/XX/XXXX or " CO status. Also it's reporting questionable and misleading dates of 1st delinquencies. The high balance on charge off on XXXX is reporting {$0.00}, whereas, Transunion is reporting {$2200.00}. I mean the list can keep going on and i'm surprised that it was flagged as verified. How is this possible? See the attachments and this is a violation of my consumer rights. delete now

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 2019-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax Fraudulently placed Fraud Alert without my consent and permission. Upon Fraudulently placing Fraud Alert, Equifax tried everything possible not to give my credit report. This is Fraud and Abuse by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/23, I began receiving auto-dial calls from Navient. I had been submitting payments monthly to Navient and there was no reason for them to begin reaching out. On XX/XX/23, they began auto dialing me 3 times per day. On XX/XX/23, I spoke with them and they informed me that beginning on XX/XX/23, they started applying my full payment to 3 out of 4 loans only, causing one loan to fall behind in payments, while 3 loans to be ahead. I asked them to retroactively apply the payment correctly to cover all the loans and they said too much time has lapsed for them to apply the payment correctly, and I would need to pay them more money. They harassed me during this period calling 2 times on XX/XX/23, 3 times on XX/XX/23, I spoke with them on XX/XX/23 and when they called again on XX/XX/23, I asked them again to apply my full on-time payment to all four loans, she stated she would look into it and that she removed me from the auto dialer. Yesterday, XX/XX/23, the autodialer calls started again. One at XXXX, another at XXXX, and XXXX. I send a check for the same amount every month on the 5th of the month. I did not ask Navient to change how they disburse my payment, but it started happening on XX/XX/23 for some reason that Navient has not disclosed to me. This caused a negative payment status for me even though Ive been making my payments the same as I always have. Furthermore, they did not seem interested in fixing their mistake, instead using manipulative tactics ( for example calling me 3 times per day and putting me on hold as soon as I answer ) to get me to pay extra than the agreed upon amount. Even after I expressed to them multiple times that I wanted them to fix their mistake and apply my payments in XXXX, XXXX, and XXXX correctly to all four loans, they vaguely say its not possible. Then after telling me they removed me from the autodialer, they calls began one week later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The only notice that I received of this debt or any attempt to collect this debt was through my credit monitoring service that indicated that I had a collections record. I researched with my bank and found that is amount was already paid to the original creditor before it was reported to my credit. This tactic is unfair- I could have provided proof that this debt was paid rather than having my credit ruined because of {$140.00} dollars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
this is second attempt here, but i gave an older account number. the correct one is XXXX I requested the closing when XXXX up on XX/XX/23. Their website has been down, purposefully in my opinion, as well as others having similar issues as reported online. With web down I can not do a transfer. I called and they said a wire would go out same day. As of today, after I CALLED THEM, I am told they reversed the wire. This is causing a financial hardship for me and I need this resolved at once. It's my money. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: DISCOVER BANK
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 information incorrect

Complaint:
I have a Discover Credit Card.

I have been reported by Discover for Late Payment ( Missed Payment ) to the Credit Bureau which has caused my Credit Score to drop significantly. 
I was reported to have missed two payments. 

My Due Date for the First month was XX/XX/XXXX. 
I made a payment on XX/XX/XXXX towards my balance. 
My statement date for the next billing cycle was XX/XX/XXXX. 

I was expecting that this payment will go towards my next billing due date : XX/XX/XXXX. 
However, it was not. 

Discover reported my account as having missed XXXX billing cycles. One for XXXX ( XX/XX/XXXX ) and the next one for XXXX ( XX/XX/XXXX ). 

This has caused my Credit score to drop. 

I have spoken about this to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-07-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from report.

Company response to consumer: Closed with explanation