BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and to my surprise there is a collection account for {$220.00} from XXXX XXXX XXXX. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My truck I worked very hard for was taken XXXX XXXX. It had a title loan on it. They took it and sold it. They claim I last paid XXXX XXXX. I did not even have the truck and filed a release of liability with the XXXX when it was illegally taken. They put the wrong date on my credit report to cause me problems. I did not pay on the truck as it was taken illegally. Please get them to put the correct date. When it was taken it was paid in full. XXXX XXXX did this and filed false criminal charges against me with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Mr. Cooper Group 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:
XXXX OWES US $ XXXX from bk noXXXX and illegally reporting tradeline after so.l. 
expired

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Company wrote letter advising HELOC was charged off. Also credit reported initially that way as well. Did not see copy to CFPB. 

Claim was for XXXX period damages coersion forcing modification of their HELOC to allow MOD of first to XXXX XXXX which they serviced. Refused reasonable short sale not advising XXXX they would be paid in full. 

Now they are again starting collection against us after advising they had done XXXX off

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 2022-05-03
Company: SUN LOAN COMPANY INC.
State: NV
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 a XXXX  account, has violated my rights. 

15USC 1681 Section 602 : States I have the right to privacy.

15USC 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX this late payment is incorrect, I always made on time payments for this account. the record shows I have a clean history with chase for the past 6 and a half years, and there is this one late payment that should be cleared from my account from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: FISERV INC.
State: NJ
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The companys response in regards to a disputed charge on my behalf is unacceptable. The agent never told me they could not dispute the charge due to it being over 120 days, hence how the dispute was able to be filed in the first place. Instead of filing the dispute, the agent should have told me it could not be filed. Had that happened, I wouldnt have wasted my time and energy filling out three pages of their stupid dispute form and faxing it to them along with a copy of my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2019-07-26
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Have had repeated calls to employer, most recently being XX/XX/2019. They ask for me and make it known that they are a credit card company seeking to speak with me regarding debt. This is not anyone elses business and has caused me embarrassment and personal strife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
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 fraud alerts or security freezes

Complaint:
I have been the victim of ID theft because someone attempted to file unemployment under my social security. Now I am trying to put a fraud alert on my credit. It seems that all three bureaus want us to file this via mail, including sending my SSN or DL via mail to them. I don't feel comfortable with that because my SSN was stolen and it is easy to steal mail. Also, I have relatives working for the Post Office and they advise not to do so. I tried to upload the documents with Experian, but it never worked although the file size was fine, I had only 2 documents, and all my info was correct. I tried to email Experian, but they do not even give us an email to submit a request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Dispute is two fold : 1. Problem with being overly charged by a Rental Car Company in XXXX. Original agreement was for car rental at {$230.00}. Rental Car Company submitted a bill for {$2100.00}. So from {$230.00} to {$2100.00}. 
2. Insurance provision of our agreement with CapitalOne is that if we use their card for travel expenses, car rental, etc., they insure the vehicle. The estimate provided by the rental company, that I initialled at the counter was {$1500.00}, however it was a plastic snap on bumper. It is not possible that that bumper cost {$1500.00}. The vehicle was returned not because of the bumper, but because it had mechanical issues ( stopped on the highway without warning, entire dash lit up and the car would not go ). It was a danger to me and my passengers. I was forced to return it to the car rental place and obtain another. I had been at a wedding in XXXX and really had not used the car that much, but once we started off to tour the country, we had all sorts of mechanical problems. It was unsafe. The Rental Car company added charges not authorized including a vehicle upgrade, transfer of fuel charges, and other misc items which were not approved by me and not proper. I disputed the charge with CapitalOne and the rental car company immediately -- it was removed as a disputed amount pending a response from the rental car company. However, without contacting me and without a response from the rental car company, CapitalOne reinstated the full charge of {$2100.00} on my account. I contacted Customer Service again who advised they me they had not heard from me so they reinstated the charge on my account. However, that was not true. Once it was cleared up that my response was submitted, but the car rental place had not responded, I was assured CapitalOne would remove the charge and reinstate it as a disputed amount. I was also assured I would not be charged additional interest on this, nor would their be a negative report on my credit. I have excellent credit. A week or so later, CapitalOne still had not removed the {$2100.00}. I called again and spoke with another representative, XXXX, employee no. XXXX who was extremely aggressive and very rude and basically declined to do anything for me. XXXX suggested that I pay the bill in full and just wait to see if we heard from the rental car company and for the insurance claim provision of the charge to be paid. This was a complete about face and not proper. To date, none of that has happened and the disputed amount is still on my account. No response from either the rental car company, nor CapitalOne 's insurance division regarding paying for the damage under the insurance provisions of my agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions 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:
I Did not Authorize These Accounts

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 2020-12-21
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with Credit Collection Services multiple times, and I have still received nothing at all from them! Nothing at all! I thought I had the right to request information and dispute accounts on my credit! Isn't that what the FCRA says? Can you help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Nelnet, Inc.
State: NY
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:
I applied to renew income-based repayment with nelnet. Before nelnet purchased the loan I didn't have a problem with this process. I went through studentloans.gov and gave them access to my tax return in XXXX. I kept getting late payment reminders after that. I spoke to someone on the phone who didn't have any explanation as to why my renewal wasn't being processed, but she suggested that I upload a copy of my tax return to their site. I did so, but continued to get notices, and my payment was never adjusted. I contacted them again via email, but they seem to be just refusing to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: SYNCHRONY FINANCIAL
State: MS
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 have 4 companies on my credit report that should not be on there. I have one credit card and have never applied for a XXXX, XXXX, or XXXX card in my life. I think this is fraud but I do n't know who to contact. 

XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX/XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # -XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}

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 2017-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my credit report there is a fraudulent address XXXX XXXX XXXX ) being reported. I have tried multiple times with multiple phone calls and letters along with proof of identity to remove this address but it still remains on my Equifax Credit Report. 

There should only be XXXX XXXX address on my credit report and EQUIFAX has refused to update my personal information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX never preform a proper investigation accounting to FCRA requirements with XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character general reputation, reputation personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquaintances or whom has knowledge concerning any such item or information. XXXX did not do this. XXXX has violated the FCRA because 15 USC 1681 section 602a states I gave the right to privacy. 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions. I did not give XXXX or anyone permission to report this account or my personal information with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Card 's internal servers are constantly down. Customer support staff place me on hold. Every attempt I made to connect with an agent they deflected and sent me over to another department without actually addressing the problem. The agents were clearly only concerned with informing me repeatedly that I missed a couple of payments. 

Furthermore, there internal communications system is constantly undergoing routine maintenance. This limits the consumer 's ability to communicate and make payments in a timely manner. My credit card accounts are not an accurate representation of my integrity and my willingness to settle.

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 2022-05-03
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:
XXXX XXXX XXXX Account number XXXX. 
Has violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions. 
Account number XXXX has also violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion is in blatant violation of FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] which states the following : a. In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

2. In accordance with the written instructions of the consumer to whom it relates.

3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or B. intends to use the information for employment purposes ; or C. intends to use the information in connection with the underwriting of insurance involving the consumer ; or D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ; or ii. to review an account to determine whether the consumer continues to meet the terms of the account.

I've written letters, sent faxes, called and e-mailed regarding inquiries I did not authorize. With each correspondence I sent proof that I filed an FTC report. Each time, TransUnion claims that inquiries are a matter of factual record which is false according the the FCRA. Per sections 604 & 605 of the FCRA the following inquiries should be removed from my report : XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By refusing to remove the unauthorized inquiries TransUnion is blatantly violating my consumer rights and disregarding FCRA guidelines.

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