BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file.When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
I had a citibank credit card for years while I was married. I was divorced at the end of XXXX, the divorce decree gave all of the marriage debt to be. I called citbank on numerous occasions to work out some payment plan but they refused. I contacted XXXX and they worked out a payment plan with Citibank that I am paying. Citibank however continues to report me as chargeoff and delinquent even though I am paying as agreed a reduced payment / settlement. In addition they also continue to report an in accurate home address for me. I ask only that they report my correct address and that they report me as paying a settlement as agreed. They say they will not change a thing until my debt is paid in full in XXXX, so they are continuing to damage my credit even though we have reached a settlement and I am paying as agreed.

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 2015-12-12
Company: LOAN TO LEARN
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Years ago this loan company deceived into thinking I had a lower interest rate than what I really did. They " compared '' federal rate with their rate when in reality they were compiling them. Months later after paying every month on time and more than required I looked at the balance and saw it was not going anywhere. I called to see what had happened and they said they applied the money to interest that had not yet even been accumulated. This is when I realized all they had done. I tried to change their rate and fix the payments and they would not budge despite deceiving me. So I stopped paying and they sent me to a collection lawyer. They refuse to close the account and settle up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX 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 a 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 non-monetary relief
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a complaint on here on XXXX XXXX, XXXX in regards to XXXX XXXX XXXX improper validation of my so called debt. I sent them XXXX different letters, first being on XXXX XXXX, XXXX that was received and signed for on XXXX XXXX and the second being on XXXX XXXX, XXXX that received and signed for on XXXX XXXX, XXXX. Both letters were sent certified mail. XXXX XXXX XXXX replied back to my complaint that I filed on here, XXXX XXXX XXXX. XXXX is their response which is completely false and in accurate. 


" Response disputed XXXX XXXX XXXX XXXX said : Explanation of closure XXXX purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$480.00} was due on the account at the time of XXXX XXXX purchase. 
XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent a letter on or about XXXX XXXX, XXXX, containing validation. XXXX also sent a letter containing a fraud/identity theft affidavit with instructions for its completion and return. 

Response In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time '' I never received any such letters on the past dates that they are stating. I share the same name with my deceased father that passed away in XXXX. He was going through financial hardship in his last years, I already have a identity fraud case filed with all XXXX reporting credit bureaus. It is very easy for a parent who shares a name with their child to open accounts in the child 's name. Which is the case here. This debt does not belong to me what so ever. This account needs to be deleted from my Trans Union and XXXX credit reports. XXXX XXXX XXXX broke the law by not responding to me in a timely manner and not even responding at all. I never received the letters they claim they sent on XXXX XXXX, XXXX or the letter they claim to have sent on or about 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 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived or visited the State of Florida, USA and never used this address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The collection agency the account was on removed it from my credit report, but when i checked my report trans union still has it as a open account.When i called them she said the collections had not gotten a hold of them, ( which they had ), and that once they did it would take a month for them to take it off my credit report. Why??? I do not understand why it takes 30-45 days to take a account off that never should of been sent to collections in the first place? I do not have a month-45 days to wait.My mom is XXXX and i need to get myself set up in a apartment,

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 2022-11-02
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I used to work for XXXX XXXX  XXXX. XXXX XXXX has records of XXXX XXXX 's abuse and XXXX affiliation. XXXX XXXX assaulted my son on the bus, threatened me where I lived, trafficked me, held me XXXX, and committed debt bondage with my credit. Under the Debt Bondage Relief Act, I do not owe the debts because they were incurred as I was being held XXXX and enforce disappeared for asserting my rights. I was being threatened with XXXX on petty state level felonies. XXXX XXXX. XXXX was apparently taking hush money from XXXX XXXX XXXXXXXX according to my law enforcement sources. They have to disclose to their shareholders that they enforced disappeared a XXXX  over XXXX XXXXreaties. I'm asking that they wipe the credit card debt. After I was held XXXX they threatened to take my property under 42 USC 3631 and have my kicked out of the neighborhood. They are also responsible for XXXX my father under the 14th amendment. They aren't permitted to use the 16th amendment under 18 USC 878 and debt bondage. XXXX XXXX screamed at me about how my credit was going to take a dive. The XXXX that held me XXXX has a record that is over 5 pages long. They also had my car stolen. I'm filing a restraining order under 18 USC 246 and these corporations are not permitted to violate their torts or 18 USC 1513. I need to be able to get this done in one phone call instead of just repeating myself. XXXX XXXX has most of the other records and he is not permitted to suppress any more exculpatory evidence. They just aren't permitted to report these debts to the credit bureaus anymore. The applicable law enforcement agencies should have copies. It is not my intent to commit fraud. I legitimately don't owe the debts under the law. They aren't permitted to deny my rights to an attorney anymore either. They aren't permitted to misuse their office for private gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: American Credit Acceptance, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - XXXX XXXX XXXX  ( XX/XX/2022 ) - American credit accept ( XX/XX/2022 ) - XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Seterus, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Called to get loan payoff information so I could sell the house, refused because the number I wanted it faxed to was an attorney 's office and I was behind on the loan. They were very hostile the entire time, refused to send information I 'm legally entitled to, then hung up on me after nearly an hour of going back and forth answering all their questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX who had a business credit card through CITI. Three days ago, I had a {$10000.00} dollar limit with a balance of less than {$2000.00} which included a {$320.00} charge I was disputing at the time. I use the card sparingly with no issue and have no late payments. So, imagine my surprise when i get an email yesterday saying they've reduced my limit to {$1900.00}. Now instead of a XXXX limit with an approx. {$1800.00} balance I now have a {$1900.00} limit with an approx. {$1800.00} balance. This will tank my business credit, adversely affecting my opportunity to fund my business now and secure funding in the future. I feel like its racially and gender motivated because there was no other reason for this. They clearly don't support small business or maybe it's just XXXX XXXX XXXX XXXX. Even if this were a legit account review how do you go from {$10000.00} to {$1900.00}?

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 recently accessed my credit report and seen that a car loan that wasnt supposed to be under my name is on my report. The loan was purchased by my ex and added me as a co-signer. I have tried numerous times to resolve this and to get it deleted and the company is refusing to honor to my request. They sent me the contract with his signature and mines and thats not even my signature. I was at work on the date and time of this purchase. And on another violation regarding my rights as a consumer they never marked any Credit reports in which they are supposed to within 30 days of the dispute. I sent the first letter certified and it was signed for on XX/XX/XXXX. I sent another letter on XX/XX/XXXX and they signed for this on XX/XX/XXXX and I have yet heard anything back or has the account been removed 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 explanation
Consumer complaint received 2015-08-18
Company: CarMax, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
There are XXXX issues, I will describe them separatley. 
The XXXX issue, CarMax XXXX XXXX has called multiple times in the last year, they would leave a message and when I didnt return the call right away they wouild continue to call my cell phone multiple times in the same day. Perhaps they were using and auto dialer, I 'm not certain but in any case I think it 's illegal to leave a message and then call back the same day. 

The XXXX issue,, my account is past due I 'm aware of that. I spoke with CarMax XXXX XXXX XXXX times on XXXX, I explained my situation and scheduled a payment. At that time I was assured that if I paid a payment before the account went past 84 days they would work with me and not send the account for repo and be willing to work with me to bring the account up to date. 
I scheduled the payment with my debit card for XXXX, they assured me this was ok. The payment was deducted from my account on XXXX as promised. 
I received a letter from CarMax XXXX XXXX dated XXXX and delivered on XXXX that my account has been referred to the repo department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/2016, I was induced to open a Citibank CitiGold Checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account, making {$1000.00} in debit card purchases, and scheduling two bill payments from the newly opened account. Over the past month, I 've reached out to Citibank trying to obtain confirmation of when my AAdvantage points would reach my account but they 're either blatantly ignored me or given me a broad explanation of why I may be denied the bonus. My attached document provides a timestamped breakdown of my inquiries with them.

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 2022-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was victim of fraud and instead of helping they made things worse would not refund a false transaction even though I was told they would and it would show up in 2 hours it never did and put my account on hold even though all I did was report the fraud I couldnt access my money make payments causing me to not be able to pay rent car payments credit card that are on automatic payments. 
Treated me the victim like I did something wrong. 
XX/XX/28 transaction for XXXX fraud more than it was supposed to be XXXX account on hold for all funds need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since I was a graduate I have had trouble paying my loan. The company has since sold my account to another servicer who was subsequently sued for the practice as follows : instead of offering me any income based repayment options while struggling, they pushed me into deferment and forbearance until my loan is no longer manageable. The minimum due every month is five times what I was originally told my payment would be after graduating. While the company has settled in court to forgive the private loans it held for ther students, they told me my loan [ ffelp ] was ineligible as it was a " govt loan '' not " private. '' As recently as today they pushed me into another forbearance and told me unless I consolidate into a " direct loan '' there is no other option for me. I can't do it! My loan is over twice it's original amount and I see no way out of this unbearable weight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by XXXX and XXXX because it was deemed fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Collections from Original Creditor : XXXX ... This is not my debt. How did they get my social security number and information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime sent me an email that was said to be from XXXX XXXXXXXX XXXX requesting proof of me being me and all direct deposits made to my checking account. Well I gave them the proof they requested on 2 separate occasions. Today they closed/suspended my account. I got my paycheck today and I am not able to get it to pay my bills and care for my kids. I called chime they claimed XXXX said I didn't send enough proof which I did I asked for a number to call and speak with XXXX I was told I could only email them through the emails they sent me I have not received any responses at all still can't access my account they have stolen my money money I worked hard for money that I need to care for my kids they stole it and keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote Transunion on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of the law.

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