BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: ID
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, also known as XXXX XXXX XXXX  XXXX XXXX XXXX , has violated my rights. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general 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 acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and 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 2022-02-03
Company: U.S. BANCORP
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:
I have continuously tried to get US Bank Credit Card services to correct a late payment error that was reported on XX/XX/2020. 

I called in to ask for a COVID-19 extension, made a payment and the representative advised that she would acknowledge the COVID-19 hardship and put in a correction for credit reporting to current for XX/XX/2020. 

US Bank has failed to acknowledge the complaint, as they can not provide any proof of the recorded phone call I had with the agent in XX/XX/2020. 

I have also had a problem with trying to resolve a dispute on the same card, which I have filed a separate CFPB complaint regarding that matter. 

I want the 30 late corrected to current or I want a copy of the phone call stating that the call representative never stated she would fix it. 

-XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying off my $XXXX loan since XX/XX/XXXX. A few years ago my servicer was changed from XXXX to XXXX education. Today I received a notice in the mail that my loan was going to be changed again and serviced by "Nelnet" as of XX/XX/XXXX that any payments past this date would be automatically forwarded to "Nelnet". (date I received this letter is XX/XX/XXXX) I have not received any info from this other company "Nelnet" regarding them acquiring my loan and how to proceed with payments. 
As of today the XXXX education website goes to a blank web page. No information is available about any of the payments I have paid over the last 5 years. XXXX  "This Page isn't working." "HTTP ERROR 500"

How is it legal for a loan servicing company to make my financial records regarding over $25,000 in payments completely inaccessible to me. I can't believe that this is a legal action that this company, XXXX, has taken. If it is yet another transfer of my loan, fine, but why haven't I received some sort of record to date of what my current loan balance is along with the information about how my loan is being transferred? These companies should have an ethical obligation to provide such information before rendering their services unavailable to loan payers. Since they obviously don't have moral compass, it should be made a law to require there loan servicers to provided this paper trail {all it would need to be is a XXXX spreadsheet printout} before transferring loans, to prevent the new loan servicers from taking advantage of those of us that haven't been taking screenshots of every new balance after payment.  This is highly unethical and I am stressing out that this new loan servicer, Nelnet (who has zero info about me so far) might conveniently get my balance wrong causing undue stress and anxiety over having to prove that I have already paid down over $21,000 on this loan's principle. It happened to me before when I transferred from XXXX to XXXX and I had to make them correct it. It would have cost me thousands if I had not noticed. I am so sick of this XXXX. AND my interest on this federal loan is 6.75% < unethical to the max  > a sad story for another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Navient keeps adding disputes on my credit report.I contacted navient about the problem in XXXX on a conference call.They stated that they removed the 90 days last disputes on XXXX XXXX 2017.These disputes are fraudulent by navient because I was in deferment and forbearance during these times.Navient was not supposed to mark my credit and add 90 days late and disputes during this time.The agent told us that they removed the disputes and was sending me information about the disputes being removed.Instead navient sent me papers about deferring and forbearance of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: CA
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. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

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 2018-06-29
Company: Maury Cobb, Attorney at Law, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from a lawyer, Maury Cobb. XXXX. I don't own any funds to anyone and my credit rating is XXXX. Since my phone number is new and have received a re-cycled number, he is probably trying to reach the person who previous had my cell number. I want this guy to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Home Depot-CITI card number* was used to make a purchase. I received a message on my phone asking if I had made the purchase ; obviously CITI realized there was an issue. I responded no and they said it would be taken care of. My bill, however, still showed the charge. They assured me that sometimes it takes awhile to be removed. Eventually, there was another charge, and the same scenario played out. This time though, the charge was against the new card number* they just sent me, that I hadn't used at all. 
*Both purchases were made on the card number in my name, however, the cards were in my possession. It appears the fraud was from within CITI itself. 
I contacted the 3 credit reporting agencies to freeze my credit and was contacted by a rep from XXXX ; she made a 3-way call to XXXX-CITI who agreed to investigate. They sent me a letter confirming this XX/XX/22. On XX/XX/22 I received a letter stating they confirmed the charges were fraudulent and would be removed from my account, including any interest, etc. In XXXX, CITI sent my account to collections and negatively affected my credit, first, by XXXX pts, then XXXX pts in XXXX. CITI refuses to speak to me and has blocked my acct.

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 2020-11-17
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm currently reviewing my current credit bureau reporting, and records show an inquiry from TD Bank USA/Target on XX/XX/2019. I have not applied for a TD Bank USA card or Target card. Evidently the information matches because It's on my credit report, however, I did not submit this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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, Also known as XXXX XXXX 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.

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general 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 acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and 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 non-monetary relief
Consumer complaint received 2017-07-05
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It has come to my attention that Citimortgage was required to pay back some monies to consumers. When we tried to modify our mortgage in 2012 with Citimortgage we were unable to do so. Instead of helping us they sold the mortgage to XXXX a year later. Since that time we ultimately lost our home and any hope for ever getting another one. Our life savings were invested in that house. Can you share the specifics with us?

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 2018-10-29
Company: Seterus, Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XX/XX/XXXX though XX/XX/XXXX.  Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the  property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XX/XX/XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have requested on the loan since XX/XX/XXXX. When the loan was sold or transferred to the new investor XXXX and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.

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 2017-08-20
Company: Experian Information Solutions 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:
I sent multiple letters to Experian in regards to updating my information. In the letters I have sent to Experian, I provided them with the required documentation to change the incorrect information, which was a copy of my drivers license. Still to date, they have not responded or updated the incorrect information on my credit report.

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 2022-07-06
Company: CITIBANK, N.A.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
In approximately XX/XX/2020, I went to the local home depot where I purchased plant seeds for my summer garden. While at the register, I was about to pay in cash when the cashier asked for my Home Depot account information. I informed her that I was paying in cash, however, she insisted that I give her my account number. I paid for the items in cash and exited the store. On my next payment, I found several unauthorized charges and found it strange because I had a nominal balance before my visit to the store. I called Home Depot 's fraud department, whereby they initially removed the charges, only to add them back when they concluded that I lived within a 5 ( five ) mile radius, so the charges must have been incurred by me. Over the next several months, I did authorize some charges, however, the vast amount of those incurred were not done so by me. I informed Home Depot that there is someone within that store that had access to my information that must have been incurring these unauthorized charges on my account, but they never offered any alternative resolution other than to continue to bill and charge me interests on charges that I did not incur. I reached out to Home Depot 's fraud department several times, but they did not seem to investigate this in good faith. I wrote them requesting the records, however, Home Depot did not send any records to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent multiple letters that inlcude my drives license to TransUnion whereas I asked them to kindly correct the information that was false. In doing so, I provided TransUnion with a copy of my drivers license that they indicated was needed for proof to update their credit report and score.

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 2017-08-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My ex-wife and her boy friend sold my home under a fraudulent document, I placed a block on my credit many years ago. Each time I apply for credit I am told there is no credit history and I and denied. I am almost XXXX years old. My check was bricked for years, I paid all that the court asked me to. I am still being denied Credit. Can you help me or direct me to someone who can this is criminal it has been going on for decades. Home depot just refused my Credit, XXXX XXXX XXXX and 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 2022-07-06
Company: EQUIFAX, INC.
State: VA
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, 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