BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
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:
On XX/XX/XXXX, I attempted to contact Best Buy through a store, customer service, creditor 's accounts and through corporate headquarters. I also contacted CitiBank corporate, creditors number and a local branch. No one was available to help me resolve the situation. I have a fraudulent claim by Best Buy and CitiBank. I have been cited twice under the same account which has drastically hurt my credit score. I had an account closed by Best Buy without my knowledge. The status of this account is incorrect. Additionally, therefore the creditor is reporting it wrong.

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 2020-06-09
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:
Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX  XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed

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 2017-03-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I consolidated my loans originally in 2007 for a certain amount. After I consolidated and signed my consolidation papers, the servicer added an additional {$100000.00} into the consolidation without my knowledge or approval. Now Im being forced to pay for loans that I didnt take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXXXXXX SS # XXXX Re : a XXXX account # XXXX Equifax To Whom It May Concern : I would like to dispute the validity of a XXXX account listed on my credit report. I am requesting that a dispute be initiated for a XXXX account which is reported. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
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. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Has all 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 an 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 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 2016-07-01
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LOANCARE IS GUILTY OF EMBEZZLEMENT. 

OUR ESCROW FUNDS WERE STOLEN, WE WERE BILLED FOR THE THEFT AND THEY TRIED TO STEAL OUR HOME WITH AN INFLATED PAYMENT WE COULD NOT AFFORD. AFTER ILLEGALLY EMPTYING OUR ESCROW ACCOUNT LOANCARE CHANGED OUR PAYMENT FROM {$840.00} A MONTH TO OVER {$1400.00}. 

THEY NEVER MADE US AWARE OF THE THEFT OR THE CRIME BUT THIS 6 MONTH MISAPPROPRIATION OF FUNDS WAS CONFIRMED IN A PREVIOUS CFPB FILING BY XXXX XXXX AND XXXX EXECS. 

IN ADDITION THEY VIOLATED THE 45 DAY RULE BY NOT INFORMING US OF ESCROW FRAUD ON LOAN ORIGINATION AND ANOTHER 45 DAY VIOLATION BY NOT INFORMING US OF FORCED INSURANCE WE WERE BILLED FOR

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion has been reporting information that is damaging to to my reputation.

TransUnion has continued to violate my FCRA U.S.C 1681 rights.

In XX/XX/XXXX and XX/XX/XXXX they have ignored my request for an investigation on false information on my credit report. They have failed to verify any details of XXXX XXXX and XXXX XXXX accounts they have listed. They have deliberately flasified documents and made un-verified changes to these accounts and reported these damaging facts to other creditors I have enclosed copies of two Investigation reports done by TransUnion. It shows where there records are not complete and have many missing pieces and information.

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 2016-03-08
Company: U.S. BANCORP
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I were approved for a mortgage in XXXX. We were facing forclosure and abandoned the house in XXXX XXXX. Lender was notified that we were vacating the property. A sheriff sale was set for XXXX XXXX, but was postponed for unknown reasons. On XXXX XXXX, XXXX we were served papers. My complaint is that we could be close to purchasing another house after five years, but US Bank has delayed the process to an extent that is unacceptable. Five years later and we are finally getting closer to being able to put this behind us, when all of this should have happened after we abandoned the property.

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 2020-06-09
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$460.00} XXXX XXXX XXXX {$2500.00}

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 explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$460.00} XXXX XXXX XXXX {$2500.00}

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 explanation
Consumer complaint received 2015-09-04
Company: U.S. BANCORP
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A bank teller called and advised I had been pre approved for a no fee, no interest, credit card. She declared all I had to do was give her the okay and the card would be sent to me in the mail. I advised I would come in, in person and discuss the card. I did visit the branch that called in XXXX, Ut in the XXXX 's XXXX on XXXX XXXX. In person the teller and manager were present. I asked again about the fees and limits of the card. I was advised again this was a no fee, no interest ( for term of no interest ), and that the limit was {$2000.00}. The teller advised she would send the information in for the card to be issued and she would call me back to advise if I wanted a higher limit. I then asked if this was an application to apply for a card, and I was very direct I did NOT want to apply for a card. She assured the card was already approved, and I was guaranteed to receive a credit card as I was already approved for this particular card. She indicated which card I would be receiving. I lastly stated, I do NOT want anything sent in as an application and only want to accept the card if it was guaranteed I was pre approved for the card and NOT the type where a person is pre approved to apply. Again she assured it was NOT a pre approve to apply. I said okay, go ahead and send me the card. She advised she would call in a few days and I never heard anything. I called the bank and was advised the card was still in review. I did not understand this. Today I called, XXXX, and spoke to the manager. She stated the application was declined and could not say for what reason. I discussed with her the matter and she could not explain and seemed at a loss for words. I then Spoke with XXXX XXXX XXXX, the district manager XXXX not sure of the name spelling ) at XXXX. He advised he would look into what had happened. 
I am sure this practice happens often and is directly misleading causing undue inquiries and stress of customers. I have dated a woman from a bank who advised many times the individual banks will run contests for the workers to see who can get the most credit applications, new accounts ect. I am aware the difference of being pre approved " to apply '' and pre approved for a card. I had the exact same scenario with America First who stated the process just as US BANK had. the difference was in less than XXXX business days I had the promised credit card in the mail. 
I do believe there could be enough falsely led individuals in the same situation to investigate and possibly result a class action suit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank opened a credit card branded through Best Buy. The card was in good standing, payments were on time, and in XXXX, I paid it down to zero. Without notice or reason, they closed my account, causing significant damage to my rising credit score. This has damaged our road to getting a mortgage. 

It is unreasonable to close the account without warning causing embarrassment during n attempt to make a purchase. This behavior needs to be addressed.

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 2021-11-17
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have received a call asking I renew auto-debit for student loans in XXXX, once every day for weeks, with no information provided about how to cease the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The following Inquiries are not authorised by mtself. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had my account open for roughly 3 months. In that time, I have had roughly XXXX overdraft charges with a majority of them due to the bank 's way of routing the debits timing and what is made available or not. There is no doubt they make available smaller amounts to induce small debits, especially through the weekend and then charge {$36.00} for every XXXX of the debits done believing there were funds available ... which there were hence the transaction allowed to be completed.

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 2015-09-25
Company: U.S. BANCORP
State: WV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX I accessed MY credit reports from the XXXX credit bureaus and found a credit card account which was opened at XXXX in the name of XXXX XXXX XXXX, my mother showing as " Open ''. My mother passed away on XX/XX/XXXX and as the " Personal Representative '' of the estate I contacted XXXX who services the account under the name of " Elan Financial '' credit card of her death via written correspondence dated XX/XX/XXXX and XX/XX/XXXX providing them copies of her death certificate and the " Letter of Administration '' from the XXXX XXXX Maryland Register of Wills Office. I contacted XXXX on XX/XX/XXXX and after numerous attempts to actually speak to someone in the Internal Collections Department I finally reached a representative to whom I provided the above information as well as my complaint that this account was even on MY credit bureau records but more importantly that the account had been paid in full in XX/XX/XXXX and at least should have shown as " Closed ''. I further advised her I had received correspondence dated XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX Reference Number XXXX who was acting as the collection department for Elan Financial confirming that the account was settled and that Elan Financial would be filing a XXXX with the IRS. She stated that she had no record of receiving any information naming me as the estate representative and could not discuss the account details over the phone. I advised her they had been provide to XXXX XXXX XXXX already and i would not send them again. She further stated I would have to sent written requests for the matter to be considered and she was unable to help me. I stated that the complaint was false information on MY credit reports and saw no reason that they were unable and unwilling to access the account in question without discussing it with me and find the account was closed and to notify all three credit bureaus of that fact. Again she stated she would do nothing unless I made written requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2020-06-09
Company: Pittenger Law Group, LLC.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Pittenger Law Group , LLC . sent a letter via USPS claiming to collect a debt that was discharged and sold. I responded accordingly and informed the Debt Collector that I did not owe what the letter claimed. I asked for validation of the debt and informed the Debt Collector of the Fair Debt Collection Practices Act and that all correspondences be sent via USPS ... 

Pittenger Law Group , LLC . sent an Itemized list along with a copy of a contract agreement. I responded accordingly within the dates stated within the letters sent, by next day express mail and sent copies of the receipt, after XXXX XXXX alluded that His office received the letter after the last date given to respond -- - here are the following dates XX/XX/2019 - XX/XX/2019 - XX/XX/2019. 

There is no contract between the original creditor, nor Pittenger Law Group , LLC . The Debt collection practices XXXX XXXX and Pittenger Law Group , LLC . has been in direct violation of FDCPA rules and regulations. I am dragged into Court, although XXXX XXXX has shown without any of the File or Documentation and has admitted to being unprepared. Where is Attachment A or the Contract Agreement between the original owner and the Debt Collector ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've tried to access my report to no avail. I '' ve also tried to dispute. Each time these have been tried the computer pages just loop back and forth and there are no options to continue. Phone calls just go to a very long wait time that never gets answered. They sent me a report in the mail but no access to see it again online or disputed wrong items are available and they do not answer or respond. They 've made this difficult on purpose to not have to do anything they 're supposed to be bound by law to do. This is fraud at it 's finest. It always reverts back to a page to pay them for the info. or dispute. Can you say extortion along with fraud? Why is this allowed? Why can any company make a report to anyone 's credit and give whatever info. they want, but for us to dispute that defamation is not only almost impossible, but they the bureau 's want proof and personal info. none of their business to supposedly confirm ID? No ID to file a report, but ID to fix it ... ..something is bassackwards here ... ... .then next to impossible to even try to fix fraud and correct the info ... .oh my ....

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 2016-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian In CFPB complaint XXXX and XXXX stated that XXXX XXXX XXXX which appears on Experians credit report with account XXXX ... had each time Experian contacted XXXX XXXX XXXX verified the debt and noted that I disputed the account. However, the fact that XXXX XXXX XXXX which lists a XXXX, XXXX XXXX MN XXXX and which the Minesota XXXX has confirmed that all mail to that XXXX is returned as non-deliverable lists an address identification number XXXX which belongs to XXXX needs to be clarified. This is the first time I have ever seen a company use another companies address identification number without authorization and suggests that XXXX XXXX XXXX does not have an address identification number with Experian which also would indicate they are not authorized to place any account with Experian. I have no doubt when Experian investigates the unauthorized use of XXXX XXXX address identification number Experian will delete this account from my credit report or at the very least provide and explanation as to why a company in Minnesota is using XXXX address identification number.

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 2020-06-09
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, My loan is serviced with a company called Nelnet and I have been paying significantly more in monthly payment ( {$1000.00} vs. {$440.00} ) so I can pay off this faster and never have any student loan again. 

Today, I looked at my account to ensure that they are still taking the money out rather than deferring it due to the pandemic and realized that my last two payments had {$0.00} applied to the principal. Upon seeing this, I reached out to them and their explanation is that they decided to only apply my payment on one of two loans while the second loan would continue to accumulate interests ; hence, the total loan amount was growing when I was making more in monthly payments, which I thought it would go towards both loans. 

I think this is extremely ethical to let one loan get bigger when I am making extra payments so they can benefit from it as much as possible.

Company response to consumer: Closed with explanation