BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: AES/PHEAA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In XXXX I applied for a student loan of {$20000.00} with my bank XXXX and received the full amount. When I graduate in XXXX after 6 months I started to make the minimum payments for this loan. In XXXX the loan was taken over by another company called American Education Services. I continued to make my regular payments with this new loan company. In XXXX I decided to return to school for XXXX and sent in an application for forbearance. As a full time student overseas I would not have the income needed to make regular payments on the loan. I sent proof of enrollment and all the necessary documents to AES twice and was denied both times the reason given was " cumulative maximum of deferment has been reached ''. The only time the lean was in deferment was when I was still still in school for my XXXX degree. On the basis of this I have been receiving calls about my loan being past due, but all the necessary paperwork was given in a timely manner and my I was told that my request was in review. I continue to contact the loan officer who handles all the loans for XXXX and they tell me to do the same steps and I receive the same result. I have no idea how to handle this situation. I want to warn other not to use this loan company for your student loans as they are unorganized and are not customer orientated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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 belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 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 XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2016-01-12
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we had a balloon loan that matured, citimortgage threatened forclosure and would not work with us or refinance at all, they wanted our house and said they 'd get it. so only option left was a bancruptcy that included the entirety of matured balloon loan balance in XX/XX/XXXX, case was discharged in XX/XX/XXXX, never missed a payment and everything agreed to in court and allowed was paid to the full. XX/XX/XXXX I get a bill from Citimortgage for XXXX dollars instead of the deed to my house. where did they make up this fraudulent loan? I have no idea, but apparently this is their M.O. and they do it all the time. After months of paperwork and haggling, i hired a lawyer which sent all the necessary paperwork to handle this matter and lo and behold Citimortgage pulls another fast one and sells the fraudulent loan to outside company known as XXXX, who now is threatening to forclose on the loan they acquired from Citi. It is ILLEGAL!!! to attempt to collect a debt that has been either paid which mine was or discharged in a bancruptcy. Double jeopardy or what, Citimortgage told me they would get me no matter what and now my lawyer ca n't even get the third party company to communicate with her, even though they have a 3rd party authorization. These people are tant amount to organized crime and just keep asking for more or threaten to foreclose. These laws are supposed to protect us from XXXX companies like Citimortgage, taking advantage of those who do what 's right, follow the law, and pay every payment on agreed payment schedule. Someone must make Citimortgage play by the rules or pay themselves, can anyone make them live up to their end of the mortgage agreement since I have fulfillled mine. I want the deed to my house!

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 2020-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My credit is Bad and I know it is. I seen my XXXX and decided to inguire about. So the lady said if I had enough down no problem. Well I got approved on spot and I told her I be back the following week with down and I gave XXXX. Her Dad told me verbally 6 % on XXXX. Well it 23. % and I could have paid cash at the time but wanted to work on credit. XXXX XXXX XXXX is XXXX to XXXX max and I agreed to price because of verbal rate, any way XXXX in interest 4 years please help, I love the car but this is crazy

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 2015-07-22
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
It is not clear to me as why these big banks such as Citi Mortgage will not assist a consumer with homes still upside down. I have been denied XXXX times for a short sale on my home that is clearly upside down by Citi Mortgage 's own XXXX. I am underwater by about {$35000.00} to {$40000.00} and is clearly shown on my financial papers that I can not afford the payment but yet because I refuse to ruin my credit and struggle to continue to make my payments by working XXXX and XXXX jobs just to barely make ends meet and putting myself further in other credit card debt they will not work with us. Since when is it a requirement and or why is XXXX and XXXX and Citi Mortgage allowed to control my credit by forcing me to go delinquent when all the other hard evidence should support them granting me an approval to sell. I have lost XXXX buyers for this home and turned down each time BECAUSE I WAS NOT LATE. I hold a XXXX license and feel it is my obligation to pay my bills on time as to be an example to other homeowners. This is completely reckless and irresponsible of the agencies to allow this and control this to the point of hurting me from obtaining credit in the future by not assisting me. It has been almost 3 years that I have been trying to sell in an already troubling industry and this just confirms that the larger banks and agencies truly DO NOT CARE FOR ANY CONSUMER. I have reached out to the CFPB before on his matter and there was no resolution. Also I find it ludicrous that I can not get pre approved for a short sale knowing ahead of time so I can get a bonafide offer but rather have to be in contract with a prospective buyer, trouble everyone for documentation such as real estate agents, buyers, and escrow companies only to be declined. Where is the protection to the consumer - I see none! Ruin your credit then we will consider helping you is not a motto anyone should be proud of. Our industry of which I have been in for 30 years is a disgrace and see no where that any of the laws and regulations and changes have helped rather make things much more atrocious. I have a XXXX and XXXX both with Citi Mortgage and the XXXX is owned by XXXX XXXX. Very disappointing that as a community of mortgage professionals we refuse to help people until they damage their credit. In the midst of all this I get a letter every month telling me my payment is past due but I seem to be able to make it by the end of month. I truly have a stack of XXXX letters from Citi Mortgage spanning over XXXX inches thick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-03-28
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 furnish a account without my written instructions

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 2016-02-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We were sent forms for a short sale for loan # XXXX on XXXX XXXX, 2015. 
We got a realtor. The house was put on the market. We sent forms to Wells Fargo. 
Everything was going fine. The house was locked and foreclosed on. We received no notice. 
I spoke to Wells Fargo on the phone about the property at XXXX XXXX XXXX XXXX XXXX. We have XXXX loans with them. This XXXX was a line of credit. We were locked out of our home with no notice. I was told on the phone over and over that we were fine and in a short sale. The rep kept telling me it wasnt happening, the realtor said it was happening and took house off market. We were never notified. We followed all the steps we were told and they still took without notice. This was done unlawfully, we believe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: GA
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 asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act XXXX  the accounts 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 furnish an account without my written instructions

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX file date of XX/XX/XXXX to XXXX, XXXX, and transunion about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. Bankruptcy court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In the month of XX/XX/2021 I found a credit card debt that I never received, that I have no information about, since then I have been dealing with that information in my credit report. despite having called transunion llc several times, then they told me that XXXX was in charge, we communicated with XXXX  at various times, one of those days was XX/XX/XXXX, then XX/XX/XXXX, also XX/XX/XXXX, then they transferred us to XXXX XXXX XXXX, there we spoke on XX/XX/XXXX with our partner XXXX, we spoke with her again on the XXXX of the same month and they told us that it was no longer with them, that it was with XXXX again ; We called XXXX again but the situation is not resolved and I continue to be affected. It's been 8 months since our claim and nothing. I need my situation resolved. Thank you

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 2017-07-19
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account Details Bureau Name ERC Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$230.00} Date Account Opened XXXX XXXX 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
A company called XXXX  XXXX ran my credit on XX/XX/2020 without my permission. 
When I called the company they said another company called XXXX  XXXX   XXXX  asked them to When I called them they said they had no record of me at all but its on my credit report with transactions as a mortgage and I'm 120 days late at my current address. My current address is a rental property I dont have a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 
U S DEPT OF EDXXXX Account Number : XXXX Account Number : XXXX XXXX  XXXX XXXX XXXXXXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : 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 furnish a account without my written instructions

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 2016-06-05
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citi gold checking account XX/XX/XXXX with a promotional bonus of XXXX Aadvantage miles and I called three or four times to citi gold customer service and they said I 've met those requirements and have submitted an investigation. I should be receiving a letter by then but I do n't receive it even now. So I have to call again asking about it. They have to submit another investigation ticket but still nothing happened. I 'm really disappointed by not hearing anything from them and this just ca n't be resolved.

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 2015-09-02
Company: National Enterprise Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Had a call from a debt collection agency by the name National Enterprise. This rep/so called manager " XXXX XXXX, Ph. XXXX EXT. XXXX " was so rude and very unprofessional. He intimated that he was calling on behalf of XXXX XXXX and that, my loan is delinquent. I told him, l was currently unemployed and looking for a job and as soon as l find one, l will resume my payments. This guy will not listen to simple explanation! He proceeded to obtain information about my wife. What she does for a living etc, and if l have a XXXX to draw from to pay the debt? He went on to threaten me that, if l do n't pay the debt, l will find myself in a " tight spot ''. I had to finally hung up but he proceeded with few more calls to my home thereafter. Are there no laws protecting citizens who owe student loans anymore? What type of society do we live in now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: AR
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 XXXX ACCT # XXXX, XXXX AND XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX HAVE ALL VIOLATED MY RIGHTS.

PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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