BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am on an income based repayment plan and I am supposed to recertify my income yearly. So I go to submit my recertification and the XXXX website is down for maintenance for several weeks. Since I did not get to turn in this recertification they quadrupled my payment which I can not afford. I tried explaining this to them to no avail. I even have a screen shot of the website showing the downtime message so they can see that I 'm not just making stuff up. I can afford my regular payment and even budgeted for an increase but XXXX my regular payment is just absurd. Also I have tried to change my due date several times, which they say on their website is an option, but my request is routinely ignored or just immediately denied without good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled in a debt consolidation program over 2 years ago with National Debt Relief ( NDR ), I included an outstanding debt to a XXXX XXXX XXXX XXXX credit card. At the time the final debt owed was {$1400.00}. During the process of negotiations, this account was sent to a Collection agency listed on my credit report as LVNV Funding LLC. NRD eventually negotiated this account with the collection agency ( not original creditor ). They agreed to reduce the original amount of {$1400.00} to {$960.00}. I am currently paying this off in the following : I started paying {$10.00} a month XX/XX/XXXX until XX/XX/XXXX. {$30.00} a month starting on XX/XX/XXXX until XX/XX/XXXX and then {$60.00} a month thereafter until the final payment is due on XX/XX/XXXX. 

This collection agency is deliberately reporting inaccurate information to the the credit reporting agencies even after several attempts to correct by contacting them and disputing. They are reporting a collection balance currently of {$2000.00}. The balance was never that amount and I am not sure why they continue to report inaccurate information. While they have a right and obligation to report the information, it must be reported correctly and that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An unauthorized inquiry was placed on my Equifax credit file from XXXX XXXX XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015, I contacted the local XXXX XXXX. XXXX branch listed for the Equifax inquiry to let them know I did not authorize the inquiry and it was fraud. I sent an affidavit regarding the credit application to XXXX XXXX XXXX. The branch manager, XXXX, forwarded my affidavit to XXXX XXXX XXXX fraud department. The fraud department contacted Equifax requesting that they remove the inquiry. XXXX XXXX XXXX sent me a letter dated XXXX/XXXX/2015 stating they contacted all credit reporting bureaus to remove the inquiry. On XXXX/XXXX/2015, I initiated an online dispute with Equifax and faxed them a copy of the letter XXXX XXXX XXXX sent me because the inquiry was still listed on my credit file. Today, XXXX/XXXX/2015, I receive notice that they completed their investigation and the inquiry was a " factual record of file access '' and if I believe it was unauthorized to contact the creditor. I 've already done that and the creditor has already contacted Equifax to remove the inquiry. Equifax apparently is refusing to comply. I 've opened another dispute with Equifax , case number XXXX, regarding this matter. I 've attached the letter I received from XXXX XXXX XXXX, a copy of the fax I sent Equifax with case number XXXX and the results I received from Equifax for case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 Address have 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 furnish a account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 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 2022-04-19
Company: EQUIFAX, INC.
State: NY
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:
I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report 1. XXXX XXXX  on XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Southwest Credit Systems, L.P.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.

Company response to consumer: Closed
Consumer complaint received 2022-04-19
Company: The Leviton Law Firm, Ltd.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from " leviton Law Firm '' for a debt of {$100.00} that is clearly not mine. It says it is for " XXXX XXXX XXXX '' case # XXXX. This is not my debt, I have never been a service provided or previous debt collection attempt. I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA Hospital as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX due to exposure to an XXXX in XXXX while on XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX I ordered a couch from XXXX. I tried to cancel the order but the merchant refused. Then I tried to schedule delivery of the couch and the merchant still refused. So I paid XXXX and was not able to receive a refund or the couch back. I filed a dispute with Citi bank but the bank told me I was responsible because I classified the dispute as " cancelled item '' rather than " missing item '' As proof I was provided an email chain between the vendor and an email address I don't even recognize. The vendor never contacted me and never delivered my item and yet Citi won't refund my money.

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 2017-03-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint with your agency because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Now that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

First thing, You do not have any lawful right to be in possession of my identifying information. 

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). 

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Issue: Credit determination

Complaint:
I received a pre-approved application for a credit card from Citi ( bank ) / XXXX XXXX XXXX XXXX XXXX XXXX. I went on line to complete the application process and was declined. I followed up and called the number on the application and went through the application process with a representative. Again, at the end, she said it was declined but refused to state why. The individual on the phone would not provide a reason for the decline and said that Citi would send a letter explaining the reason. 
The letter from Citi was received on XXXX XXXX, 2016 and provided the reason for declining the application. It stated : " Too few satisfactory credit references were recorded on your credit bureau report '', and " The consumer reporting agency serving your area has reported only a limited credit history for you. '' The credit bureau used was XXXX. 
I obtained a copy of my credit report and it stated, " There are XXXX potentially negative items on your report. '' It also said, " You have XXXX accounts in good standing in your report. '' Additionally, my husband and I both have XXXX credit scores at all bureaus. 
I called the number on the letter ( XXXX ) and spoke with a XXXX ( # XXXX ) about the letter. My husband spoke with XXXX for a majority of the call. He explained that we have a copy of the credit report and shared what it said. There were no negative items and all accounts were in good standing. 
XXXX said he was looking at the report as well and did n't understand why it had been declined. Everything looked good. 
XXXX put my husband on hold several times while he could try to locate a supervisor so that we could restart the application. Again, several times, XXXX stated it was, " ... weird and I 've never seen anything like this. '' After 27 minutes, XXXX stated that they would not be able to process the application. He would not provide an explanation for the decline. 

Based on the credit report, credit ratings, and our income level, there was no reason to decline the card. The only explanation would be either discrimination against me for being a female or being married. There is nothing in the credit reports to substantiate a decline of this credit card. 

As a note, neither my husband nor I carry any credit card debt. We have a home mortgage and a small consumer loan of approximately {$5000.00}. That is the extent of our debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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:
>Multiple hard inquiries were pulled by Pentagon Federal Credit Union ( PenFed ) for same credit application using XXXX ( XX/XX/21 ; XX/XX/21 ) >Applied for HELOC with PenFed ( XX/XX/21 ) >Before applying was told full process takes approximately <60 days ( expected close around XX/XX/21 ) >Approaching 60 days, critical items remained undone, including the appraisal >Underwriters said credit score is good for 120 days, possible will need to pull again >To avoid being penalized for another hard inquiry, I authorized pull within 45 days of first >Credit was pulled 46 days after the first, falling outside of the shopping window >Received an email from PenFed Mortgage COO acknowledging their inability to provide the level of service and speed to close. Hiring people and working weekends ( XX/XX/21 ) >Closed the loan 89 days after application ( XX/XX/21 ) >I filed a dispute with XXXX but their automated process for inquiry disputes did not enable me to provide context, argument, or support >I called PenFed and bounced around 6 different agents resulting in my information being passed along to management for further contact

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 2016-06-22
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am a current client of CITIMORTGAGE CO. and I have been trying to refinance my mortgage with them since XXXX 2016. It is now XXXX XXXX of 2016. I am trying to go from a 7 year arm into a 15 year fixed Loan. I have been with CITI for over 10 years and I have NEVER missed a payment. I have an excellent credit score also. Around XXXX. They keep telling me my amount needed close is going up and I need to verify funds. I have done this once already and now they are needing to verify funds AGAIN. It takes them days to get back to me and never follow through with showing me in writing what the figures are. My rate was quoted 3.25 % and current rates are XXXX and my locked rate has since expired. I was told that this would be very easy to do, since I am staying with them and that the cost would not be very much. I went from them needing {$1100.00} to over XXXX? And it is still not being completed. I have never had to experience so much stress and frustration in my life.

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 2016-06-15
Company: CITIBANK, N.A.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account because of a promotion Citi was running where if you met certain criteria with the account, they would give you XXXX XXXX XXXX miles. Well I opened the account XX/XX/XXXX and met the criteria XX/XX/XXXX. A month later I messaged a Citi representative to inquire about when I would receive the miles, and she guaranteed that I would have them in my AA account NO LATER than XX/XX/XXXX. So in between XX/XX/XXXX and XX/XX/XXXX I have been paying fees to have this account open. Well XX/XX/XXXX has come and gone, so I emailed Citi again, asking where the miles were. They then told me that they had opened an investigation of some kind, and said that I may not qualify for the promotion, even after I was told by a Citi rep that I was qualified and the promotional offer was attached to my account. This seems like a classic bait-and-switch to just get my money for the absurdly high $ XXXX monthly maintenance fee.

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 2022-04-19
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained a copy of my credit report in XXXX of 2022, I noticed inaccuracies and sent out disputes to said companies, it has now been 3 months and the debt has not been validated according to the FCRA, debt that is not verified or validated after 30 days is to removed from credit reports immediately. This company also calls me regularly for a debt that is not mine and it is at the point of harassment which I do not take lightly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX XXXX XXXX, XXXX XXXX Re : case # XXXX Dispute 30 day Late payment due to banking error Account # XXXX XXXX Billing Inquiries XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute a late payment billing error in the amount of {$120.00} on my XXXX account # XXXX. The amount is inaccurate because 1. I made my monthly payment of {$120.00} on XX/XX/XXXX via website to my credit card company ( XXXX ) 2. I had available funds of {$470.00} on XX/XX/XXXX in my bank account with ( XXXX Card account # XXXX ) to cover the payment with XXXX 3. My bank account ( XXXX Card Card ) processed the payment on XX/XX/XXXX which I still had available funds of $ {$430.00}, but my bank returned the payment in error. 
4. As a result I am now showing a 30 day late payment of {$120.00} with XXXX on my credit report ( XXXX Equifax/ XXXX ) due to the bank error with XXXX XXXX XXXX . 
5. I have disputed this bank error to my Credit Card Company ( XXXX ) and the 30 day late still remains on my credit report resulting in negative credit reporting. 
I am requesting that the 30 day late payment error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and accurate credit reporting with ( XXXX Equifax/ XXXX ). 
Enclosed are copies of XXXX payment conformation/ statements, and my bank XXXX transaction history supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX Enclosures : XXXX statement XXXX payment conformation XXXX dispute letter XXXX XXXX XXXX transaction history Dispute letter with Equifax Dispute letter with XXXX Dispute letter with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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:
In accordance with the fair credit reporting act 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 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 any 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