BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After Reviewing My Transunion credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Transunion and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Transunion stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Transunion certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Transunion is still reporting bankruptcy 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 2016-10-29
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
. Professional Debt Mediation , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX advised me XX/XX/XXXX that I owed XXXX to XXXX XXXX XXXX XXXX XXXX XXXX where i lived up until XX/XX/XXXX, at which time i returned to XXXX to live as my dad was in ill health and passed away XX/XX/XXXX. I disputed the XXXX debt in writing in XX/XX/XXXX stating to PDMI that I did not owe this debt, and to prove it. Professional Debt Mediation never tried to collect on this debt, and now it being XX/XX/XXXX the XXXX statute of Limitations has expired on collecting this debt.PDMI each month put this debt on my credit reports until I disputed this with the credit bureaus XX/XX/XXXX, and the debt was removed from my credit report. I disputed this debt with XXXX in XX/XX/XXXX, XXXX removed the debt from my credit report, then for almost a year, Professional Debt never posted this debt to my credit report. until now, XX/XX/XXXX once again, Professional Debt Mediation posts this XXXX to my XXXX credit report, as to re-open this debt, which I consider " trolling '' the debt, I never paid anything on this debt, as I do not owe this XXXX and again, XXXX Statue of Limitations on debt is ( 4 ) years. ( 42XXXX. C.S.5525 ( a ) This debt is non collectible and PDMI is not abiding by XXXX statue or the Fair Credit Reporting Act. PDMI needs to stop reporting this debt, move on in life, or face being sued for trolling this debt, and trying to collect after the XXXX statue of 4 years has run its course, I moved to XXXX XX/XX/XXXX, and now it is XX/XX/XXXX, way past the time frame for this debt to be acted or collected upon.I moved out of XXXX XXXX XXXX XX/XX/XXXX and lost my security/pet deposits and have been a resident of XXXX since XX/XX/XXXX.PDMI is a vulture credit collection agency, and they are to harassing me over a debt that is non collectible with the reporting and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a home that was foreclosed on back in XX/XX/2012, and we are no longer in possession of the home. To this day, BMO Harris is still calling our son, XXXX XXXX, and leaving messages on his voice mail about collecting monies owed on this debt. Our son was not involved in the financing of this home in any way, and has nothing to do with this mortgage. It is illegal for them to be contacting him about this debt. We never gave BMO Harris his name or phone number as a contact. It is completely illegal what they are doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2020-06-14
Company: Nelnet, Inc.
State: IL
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:
servicer will not validate the loan and will not remove it, servicer is promoting libel and false information damaging me regarding business dealings of which i have no knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: HYUNDAI CAPITAL AMERICA
State: NV
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:
Hello Dear, It is about KIA MOTORS FINANCE, AMOUNT AROUND XXXX My credit report shows repossession on XXXX XXXX. I have receipt/conformation that showed I paided my bill up to XXXX XX/XX/2020 then the payment REJECTED by creditor. 

It is still not clear why my car got repossessed. I realized my car repossessed on XXXX after calling to request payment deferral for month of XXXX while abroad for church mission and stacked there because of covid no flight order. Problems with kia Motor, APPLICABLE FACTS ( 1 ) Not notifying I have electronic consent to be notified/get any alert. But kia failed to do so, instead send only " mail '' to my old address/not the mailing address that I updated on kia motor finance online account. 
( 2 ) Rejecting Auto payment after XX/XX/XXXX ( payment for XXXX ), and reported it credit beauros as not paid. 
( 3 ) After talking and agreed to reclaim my vehicle, but not answering call when to pick up ( physically closed ), kia refused to postpone, auctioned it with out any notification. 
APPLICABLE LAWS IN NEVADA ( 1 ) The registerd owner must be at least " 30 '' days in default. I have paided till XXXX XXXXEven if reported otherwise. 
( 2 ) The repossession company must notify the registered owner in each step of the repossession. 
( 3 ) The repossession company can adjust payment agreement and return the vehicle to the owner. 
CONCLUSION So if not in defult and /not notified, it must be considered as wrongful repossession and may be required to have court judgment to reposses in Nevada . 
Contracting creditor beauros or the company failed to solve the issue. 
Best Regards

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 2020-06-14
Company: Experian Information Solutions Inc.
State: IL
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 previously submitted a dispute to remove the XXXX XXXX account from my Experian credit report. This account does not belong to me. I requested verification from Experian that was used to determine this account belongs to me. I have not received any information from Experian and this inaccurate information remains on my credit report. I would like Experian to provide me with the verification that was used to determine this account belongs to me and then remove the account from my credit report. Please assist me in getting this information updated and removed from my Experian credit report as they refuse to conduct the proper investigation that has been requested.

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 2016-07-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a CitiGold checking account with CitiBank under their XXXX XXXX XXXX promotion where I would get XXXX XXXX miles deposited into my account after completing a short list of requirements. I completed those requirements within the allotted time frame and called customer service several times to confirm that I qualified to receive the promotion. Each time they told me they 'd look into the issue and update me with an email. That has not happened despite multiple calls. I 've read up on this online and apparently other people have been having the same issues with CitiBank not honoring their promotion.

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 2022-01-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a phone call from XXXX XXXX dispatch. I was asked if someone had attempted to serve me papers twice in the past week. I said no, because nobody has. 

The dispatcher, who was very kind, gave me a phone number XXXX. He told me to call the number and let them know that I have not been notified and to request a XXXX hour hold. 

When I called the number, the gentleman that I spoke to started off very nice but quickly became judgmental and rude. He asked if I could pay him money today and I said that I would not be able to pay anything until next Friday. He said " If you don't pay something today, your license will be suspended '' He asked why I couldn't pay anything today and I stated " because I have XXXX children and household bills that I just paid '' He laughed and said " so you can't afford to pay the loan but you can afford to get your license taken away '' I don't appreciate being talked to like I'm a piece of trash. Things happen and people are left with little to no choice at times. 

The outstanding loan is with Ace Cash Express and I can begin to pay my balance next Friday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.

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 2016-08-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citi apparently issued a Citi Costco Card to me, never actually mailed it to me, and charged me for the XXXX membership and now they want me to pay the bill. 

I used to be a XXXX member with an XXXX card. I cancelled my XXXX membership a few months ago and never applied for a Citi Costco Card. They seem to have automatically issued a card to me based on my prior XXXX membership. I tried to tell them multiple times on the phone and they keep transferring me to various departments within their firm. I have wasted well over an hour dealing with this mess which I have no role in creating and it is not right to expect me to spend any more time dealing with this situation. 

Bottomline : Cancel the Citi Costco Card that I never applied for nor received, remove the XXXX membership charges and stop wasting my time.

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 2016-09-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XX/XX/2016 I rented a car from XXXX. I declinded their insurance because I spoke to an agent from my Citibank Credit Card and he assured me I was covered if I used my credit card for the rental insurance. I asked if I was fully covered because I had limited insurance on my older model car. " Yes, '' the agent said, " do n't use XXXX 's insurance you 're covered. '' I asked if there was a deductable. " NO deductable, you do n't have to worry. '' On my way home a Semi-Truck spit up a rock which made a XXXX. crack in the windsheild. I paid XXXX upfront and filed a claim. Now the nightmare begins. Called to file a claim and was told to sumit the information to XXXX fax number with a claim number. Did that. Waited, waited and finally messaged them asking what is goin on with the claim and was told they did n't have enought information. Sent it again, to a different address I was provided. Waited, waited. Citibank decided the repairs were unneccesary, claim denied. What? Messaged them that was not exceptable. Waited, now its XX/XX/XXXX, XX/XX/XXXX Citibank messaged me that my claim was something my insurance would have to handle, claim denied and if I 'm late with my payment they will turn me into the XXXX credit bureau. I 've never been late and my credit score is XXXX. Sounded like a threat. So which is it, the repair were unnecessary or they do n't cover windsheilds??? If I had known I was going to get the royal run aound I would have gotten the {$20.00} XXXX insurance and saved myself {$150.00} and a huge headache. Apparently I 'm not the only one with this kind of complaint with Citibank as I 'm looking on the internet.

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 2022-01-31
Company: Experian Information Solutions Inc.
State: DE
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 submitted a dispute for a collection account with XXXX, XXXX original creditor sprint that has been deleted from my credit report due to fraud when it showed on my credit report from another collection agency back in XXXX of XXXX. This item has reappeared on my credit report as if the debt has been sold.Which in fact should have been blocked after being verified that this has been a fraudulent account. I have reached out to the collection agency for debt validation received no response submitted a dispute for the following account & I just got a computerized response as validated from Experian as accurate when in no way this account was validated just XXXX  days after me submitting a dispute. My dispute date was XX/XX/XXXX dispute results XX/XX/XXXX. No way this has been verified in XXXX day. I ask this account be removed from my account and blocked as I will be filing suit with my local courthouse.

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 2022-01-31
Company: Experian Information Solutions 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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My name is XXXX XXXX and I am a victim of ID Theft and I received a copy of my credit file that your company publishes and after reviewing that I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in YOUR files as of this date that you used to verify the accuracy of the accounts list below. Under the FCRA 15 U.S.C section 1681g, I do have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, plus update my address and delete the rest? Please just update my name and delete all unnecessary information and please remove all unverified items on my credit report and distributing them to third parties under Section 611 ( a ) ( 5 ) ( A ) ( I ) and damage my reputation and credit worthiness.

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 2022-01-31
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX  XXXX XXXX has an account being posted on all XXXX of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation