BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-12
Company: Coastal Credit, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car using Coastal Credit LLC. I lost my job and fell a little behind. 43 days to be exact. It was n't even XXXX payments, it was XXXX and a half payments behind when they repossessed the car. It 's been just under a year and I 'm trying to make payments. I have paid {$120.00} a month for the past 3 months in which they are taking. I called them to get a bill mailed to me and they said the payments I 'm making are n't enough and they are taking me to court. They also said I could pay {$120.00} a month for the rest of my life and never pay the debt because it is going straight to interest. So basically, my {$11000.00} loan is going to haunt me forever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Dear Madame/Sir, Today I received a reply re : my case XXXX against Citibank. The reply was " working on my issue '' and " I should hear from them in 60 days ''. Are you kidding! Citibank received my payments in a timely manner and cashed the checks, sent them to my credit card account that they ACH the XXXX of each month, accused me of lying the payments were never sent, and after involving my Congressman reneged on the XXXX/XXXX/XXXX response and sent my account to XXXX collection agencies. 

Why 60 days? Ha, ha, just another stall tactic. A settlement agreement was made in XXXX XXXX re : the account. Sixty days will be almost be a year when the settlemet agreement was made with me. The account was suppose to be satisfied in XXXX XXXX. The account should be closed not " settle '' for illegal practices by Citibank. I would like for this charade to be over, Now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: NV
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:
Equifax again, has reported another account out of the blew on me that doesn't belong to me. I am honestly sick of having to make these complaints with Equifax reporting false accounts over and over, and not honoring the fcra laws to verify accounts they report. Under fcra 809ab, the accounts they report should be fully verified with all the required items/documents one creditor must have to legally report info on ones report ( mine ) This account is not mine, fcra 605b and fcra 809ab are the laws this Equifax bureau is continuously to turn their cheek on. Its ashame, i need help with fighting off these random creditors allowing a id thief to open accounts in my name and giving benefits to Equifax to report this stuff, its all illegal business, unfair business practices on both the creditor and credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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 am one of those involved in the Equifax hack. My SSN and personal information is now comprised. I am worried that my information will now be used to open future lines of credit in my name without my knowledge which could potentially devastate my life as well as my family 's. 

I checked to see if I was involved on XXXX XXXX 2017 and was informed on Equifax 's website that I was affected. I signed up for an enrollment notification for 1 year credit monitoring. I have not signed up as of this complaint. 

I also contacted one of the credit bureaus and had a 90 day fraud alert put onto my credit. This was done on separate advice, not from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. Experian received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.

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 2020-08-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My letter of XX/XX/XXXX sent to Citibank via both USPS and email has gone unanswered. I find Citibank 's complete lack of response unacceptable and therefore have instituted a complaint through the Consumer Finance Department. 

My letter ( attached ) clearly states that Citibank does not properly report my account history to any credit reporting agency. In fact, Citibank has been using my credit history ( FICO score ) to modify my credit limit, while at the same time failing to report my spotless credit history with Citibank. I say spotless, because since XXXX, there has never been a missed payment. There are no late payments to report. Spotless, but Citibank is not reporting it to my credit history with social security ending in ****.

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 2020-04-18
Company: EQUIFAX, INC.
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:
I just took a look at my credit report and I saw a few hard inquires on my report that are unauthorized. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. 

XXXX XXXX XXXX XXXX - CARD SERVICE XXXX XXXX, XXXX XXXX XXXX Please have this inquiry removed from my credit ) le because I believe I did not authorize this inquiry. 
Under the Fair Credit Repor-ng Act, your action constitutes a violation of my rights, which is illegal and causing severe damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: TX
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Revolut Technologies Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been frozen. I was requested some documents which I promptly provided, but I keep getting requests for more documents which I have been providing since my funds are stuck in the account. I still do not have access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent letters of dispute to this company requesting for valid validation and they laughed and hung up on me. they have reported this on my credit report. They refuse to give me who the client is. I have requested over and over to remove this debt I do not owe. I have never ever received anything from this company. except calls and hangs and call after XXXX. I have informed them if they do not remove this account that I do n't owe I will hire a lawyer they told me if I can afford this then pay my bill. I tried to speak with several different people that have names they refused to spell. I had attorney draft a letter and she spoke witl XXXX XXXX who told her they never got a letter., We have a copy of the signed certified letter. This is just another tactic of their violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX XXXX from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX and attended again from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX. I was promised a job placement during both orientation by the XXXX representative. I never received any assistance from the XXXX XXXX representative about the job placement after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
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 information incorrect

Complaint:
My score went down 27 points on an inquiry. The fact that they are unable to post real time and or correct debt information cost me financial harm and you as the alleged protection bureau do nothing. That's it in a nutshell FRAUD!

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 2020-01-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone submitted a fraudulent application for a XXXX XXXX card. I contacted XXXX and they sent me a letter stating that the fraudulent inquiry would be removed from my credit report but it has not. This fraudulent inquiry happened in XX/XX/2019. The inquiry is still on my Equifax Report. Attached is a copy of the letter XXXX sent me saying that the inquiry would be removed and that they sent this letter to all the Credit Bureau reporting agencies but Equifax has yet to remove the fraudulent inquiry from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I informed the credit bureau via certified mail that the information was inaccurate. Its showing that the last payment was made XX/XX/2014. XXXX and XX/XX/2014 payment information was ok/current. XX/XX/2014 it was reported 30 days late and then Voluntary Surrendered. If the last payment was made XX/XX/2014 it should not show payment info was ok/current between XXXX and XX/XX/2014. And then 30 days late? This account is charged off/Closed.

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 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a certified letter to Capital One asking for debt validation. To date, they have not sent any communication to me, but continue to report on my credit reports. My attached letter includes my name and account number ( as reported on credit report ). I have also sent letters to XXXX, XXXX and XXXX asking for debt validation. In all 3 cases, they have responded back as the debt is verified. I followed-up with a proof of debt verification letter, and have not received responses from any of the three credit reporting agencies. Since I sent the letter certified, I am attaching proof that my letter was received to Capital One on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon review of my credit file I recently reviewed a collection reported by XXXX XXXX XXXX XXXX. Transunion has allowed this erroneous collection to report to my credit file. In pursuant to the FCRA section 609 (  A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Transunion. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Transunion consumer file. All information in pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX, TX 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 2016-06-17
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed an account from rent recovery and asking for more information and proof of the account.there was no document sent to me to validate the debt or the balance. Which is odd

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Back in XX/XX/XXXX, I contacted Wilshire consumer credit at the end of the business day to request, heavily request, a few more days before they send a tow truck to repo my truck, which the lady on the phone agreed to give me a day to call them back with an update as to whether or not I can come up with a payment. However, the very next morning at around XXXX XXXX they repoed my truck. I also had borrowed money With interest from someone to make the payment. But, in addition to this now useless loan, I lost my contract with my customer, as I am a XXXX XXXX. And because I didnt have my truck, I couldnt pick up materials and get the work started, this resulted in the loss of a {$6800.00} deposit, which further resulted and not being able to pay the rent, as I am the sole income provider for a family of XXXX in the XXXX XXXX XXXX Area. The total contract price I lost out on because theyve got my truck is {$18000.00}. All in all, because of the repossession, it cost me over {$20000.00} in income and fees, just so they can repossess a XXXX Work truck. I had also very recently prior to this, concluded a massive bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: BOEING EMPLOYEES CREDIT UNION
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX to present. Creditor, Boeing Employees Credit Union, is reporting outdated information in remarks which are reflected on XXXX XXXX credit report. 
XXXX BOEING EMPLOYEES CU # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. Creditor, BECU is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in  XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. 
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. 
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. 
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. 
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than  seven years old or bankruptcies that are more than 10 years old. In  this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter XXXX over 10 years after the filing and discharge in XXXX - in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been purchasing this home and property for 17+ years, first under owner financing, then as a cash payout, then my ex-husband for a home equity loan against the property, then we got divorced and I was left with the loan in his name but I didn't have the credit to get it in my name until XXXX which is where this current loan comes in. I have made all my payments, except two of the payments were late. I had to leave work in XX/XX/XXXX and file for SSDI and then in XX/XX/XXXX my fiance unexpectedly died of XXXX XXXX from XXXX and left me with no income. I was paid up on my mortgage payments but rec 'd a letter from Huntington Bank trying to press foreclosure. I tried to get a report from them to confirm they had the same payments as I did, but I only got it after I filed a complaint against them with the WV State Attorney General 's office. Their records show the same payments but there are some discrepancies somewhere. Since all this debacle I am now missing payments but they have put me through unnecessary grief up to now. I filed for HomeSavers and they closed it unnecessarily without even telling me. They refused to give me a forbearance option. They have discriminated against me and have been very rude and obnoxious to me during the times I have sought assistance with them.

Company response to consumer: Closed with explanation