BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
ON XXXX XXXX,2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 others with whom he is acquainted or who may have knowledge concerning any such items of information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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.

According to 15 U.S.C 1681s2 ( 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 accurate.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$6700.00}

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 2022-11-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 the servicer paid my insurance premium twice. At the end of XXXX, I contacted both the servicer, Nationstar Mortgage d/b/a Mr Cooper, and insurer to correct the problem. The insurer immediately issued and refund to the servicer. The servicer never posted the refund to my account. In XXXX I was notified of a significant shortage in my escrow account that would result in a significant increase in my mortgage payment. I immediately called the servicer. After over 45 minutes on the phone, I was assured that 1 ) the servicer would work to resolve the issue that caused the shortfall and 2 ) my mortgage payment would not increase until it was resolved. On XX/XX/XXXX the servicer deducted the higher mortgage payment from my checking account. I immediately called the servicer. After over an hour and a half on the phone, I ended up speaking with XXXX who was presented to me as an escalation specialist. XXXX asked me to participate in a 3-way conversation with the insurer. The insurer told us that they would stop payment on the previous check and issue a new one made payable to me. XXXX told me that I would need to deposit the check into my checking account and then submit a payment to my escrow account. At that time the servicer would reanalyze the escrow account and update the payment amount. She would then process the XXXX payment. XXXX told me that she would follow up with me on Tuesday, XX/XX/XXXX to see if I had received the check from the insurer. She did not call. I received the check on the XXXX of XXXX and posted it to Mr. Cooper on the XXXX. I attempted to reach XXXX to let her know. She did not answer the phone and her voicemail box is full. Today is the XXXX of XXXX : The servicer has not reanalyzed my escrow and has not processed my XXXX payment, and shows a XXXX payment in the higher mortgage amount scheduled to come out on the XXXX. XXXX 's voicemail box is still full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: American Collections Enterprise, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
American Collections listed a debt on my credit report without notifying me of the attempt to collect the debt and providing proof/validation of the said debt. Which is illegal, they are supposed to provide a letter providing me notification of the said debt or giving me the opportunity to dispute the information.

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 2023-09-14
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting 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:
These accounts and inquiries are not mine they was made without my permission, consent inquiries Synchrony Bank Amazon Inquiry : XX/XX/2023 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank 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 2022-04-24
Company: CITIBANK, N.A.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I spent several my citi credit cards to purchase some jade jewelry since last XXXX. Then, early XXXX this year, I sent some my jade jewelry to XXXX XXXX lab office in New York which is XXXX of the best gem lab in the world. Their reports showed all my jade jewelry are faked and dyed with color. 
So I contacted with the seller in XXXX. The seller promised to exchange them. Then I shipped them back. However, I have been waiting for several months for the exchangXXXX. Since XXXX is under the lockdown. The seller doesn't keep her promise to ship back the exchange. I get quite bit loss. 
I planned to dispute my credit card through citi and they don't deal with the deal over 4 months. I feel very frustrated and disappointed.

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 2022-09-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Attempted to correct via dispute but bank does not respond correctly. They continue to report incorrect balance even though they were paid {$400.00} By another bank who confirmed they accepted payment when I refinanced months ago and even as they confirmed. They never reported the correct amount of {$400.00} to the credit bureaus and still had it posting wrong up until today when they charged it off using that incorrect amount. This effected a number of our financial transactions and lenders. Sadly they wrote it off well over a year ago as well and it went to attorney. Attempts to pay XXXX  cents were rejected and went no where with the bank or the attorney. Furthermorevtwo letters defining this situation to your office ( CFPB ) have gone unaswered with no response. If this can not be resolved ASAP I WILL BE FORCED TO seek legal ACTION AGAINST ALL THE PARTIES INVOLVED. RESPECTFULLY. Ps ss last 4. ( XXXX ). Posted here because after two years you still have NOTvrepaird the software issue in that it does NOT. Accept the numeric numbers. I wonder if your even capable or just do not give a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is a FRAUD And needs to be prosecuted!!!!!! 

I will follow up everyday until upon prosecution of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX you crooks will be held accountable!!! Facts!!!! 

State Attorney General is currently on notice of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX deceptive business practices !!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Information belongs to someone else

Complaint:
This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}

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 non-monetary relief
Consumer complaint received 2022-11-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried to communicate with PayPal through all means ( cell phone, same platform, mail ) without any result, since for some reason the support always tells me the same thing. They flatly deny everything I say, even though I have the evidence for it. The platform literally limited my account for no reason, with the apparent reason of having created the account being a XXXX, they do not give me any action to appeal the decision they make, the same support, moreover, ridiculously, tells me that this decision is permanent and can't be appealed ( when I have never been able to appeal it ). The account was made by a representative and I have only given my identity when I was going to request the name change. -- -- -- -- -- -- - I already sent a claim through this same page against PayPal, but they themselves tell me that it does not correspond due to the discrepancy between the location from which this claim is being sent, being that days later the PayPal support in XXXX  responds to the mail saying that they reviewed the claim and that I will no longer be able to withdraw my money after a period of 180 days ( being that this was already specified since they limited my account ), The same goes for PayPal support in the XXXX, I don't have the resources to go to the XXXX to dumbly file a complaint, even less when I am not given any option to appeal decisions like this or that in the same dispute options in my country, there is no option available. It is unbelievable to me that I am going to lose my hard-earned money this way, on a platform that only has the job of holding it and not carrying it as if it were nothing. I only used it to transfer my funds with XXXX from XXXX. Timely, this is my only means by which I can affirm PayPal 's poor decisions. -- -- -- -- It is criminal to accuse someone falsely, not provide any evidence that this was the case, and even refuse to confirm the veracity of the facts. Just as PayPal is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have 8 private loans obtained by Sallie Mae back in XXXX. I was an XXXX XXXX at XXXX XXXX XXXX  and needed additional funds to pay for my XXXX degree. I remember the interest rate being a fixed interest rate at 4.5 %. The total borrowed amount was around {$39000.00}. I went to graduate school after XXXX and my loans were placed into deferment. Upon completing graduate school in XXXX, my payments fluctuated often. Upon looking into the loans, I realized that Navient ( who was and is now servicing my loans ) was charging 10 % interest. I established a payment with them to keep my credit in good standing. I also asked for my initial loan documents to see why my interest rate has changed. After years of battling back and forth, I have only received my initial application with the terms for the loan, but the terms and conditions are not specific enough to understand if they are allowed to change my interest rate and other issues in terms of repayment. I was even told by multiple representatives that I would have to go into delinquency to get a payment plan established even when I was proactive in trying to receive payment plan. To date, the loans are over {$83000.00} in total and the interest rate is constantly fluctuation ( as high as 10 % and currently at 9.5 % ). My current payment plan will end in XX/XX/XXXX. I have applied for a new payment plan ; however, with the changing terms and conditions, it is not likely that I will be able to afford the payments. Given the issue of changing terms and conditions, I am submitting a complaint to CFPB. To date, I have paid back somewhere around {$20000.00} ; however, the overall amount keeps increasing given the interest rate changes so an end to paying these loans are not in site. I would like assistance in this matter. My current payment is {$470.00}, {$460.00} of which goes to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CITIBANK, N.A.
State: KY
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:
I have not had any issues with Citi bank since i have been a user since XXXX. I have always paid on time. I decided to check all my credit card accounts online on XX/XX/XXXX and i noticed my Citi / AAdvantage Platinum Select Card has been used aggressively and most of the charges where made by someone else apart from me or my authorized users who had access to one of me and my authorized user cards. We personally only made few charges and the rest is not our doing. I made this clear to the bank and they told me everything i have been saying doesn't had up. How I'm i supposed to know how my cards where used. If i had not checked on time i'm sure it would have been more than these amount. I confirmed from the customer care that the amounts is summed up to be {$42000.00}. I am so frustrated right now. Reading reviews online about what people experienced and what the customer care told them has been the exact thing i am being told. I never made any of this charges and i was also told i am not responsible for paying them back. But they make it sound as if i am going to be the one paying the full amounts. I have cancelled the old card and i have gotten the new card shipped to my address but i haven't activated it yet till this issue has been fixed

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 monetary relief
Consumer complaint received 2022-06-25
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: Their investigation did not fix an error on your report

Complaint:
ON XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 others with whom he is acquainted or who may have knowledge concerning any such items of information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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.

According to 15 U.S.C 1681s2 ( 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Best Buy Credit Card through Citi Bank- Citi Retail Services . 

Closed account on XX/XX/2022 and attempted to set up a hardships payment plan with Citi Bank- Citi Retail Services . 

The account was closed after a sudden large jump in minimum payments due with no warning. The $ XXXXmo minimum payment jumped to XXXX XXXX/mo ( for XX/XX/2022 and further ), which was far too much for my current financial abilities. The total balance on the account is {$2200.00}, and a payment plan of XXXX XXXX/mo is not unheard of for that amount. 

The customer service representative looked into hardship payment plans with a monthly payment plan of {$30.00}. Unfortunately, they could not find any such payment plan and did not offer any other plans that were within the affordable payment range. They referred me to XXXX XXXX XXXX XXXX XXXX XXXX and The Consumer Credit Bureau to find a credit counselor to assist with credit education. The XXXX  referred me, without consideration, to XXXX XXXX XXXX XXXX, which is an organization I do not support or want to be affiliated with.

I have other closed credit account payment plans with a set minimum payment that is within my budget. This act of refusing me a hardship payment plan by Citi Bank will continue to increase my late payments on the closed account since I am only able to pay $ XXXXmo at this time. The unwillingness to work with me to find a plan, and to refer me to organizations that will not set up a payment plan is a tactic that punishes poor people, keeps people in debt, and allows the bank to continue to collect and grow their own wealth with the disregard to human rights. 

With inflation, significant increases in gas and electric bills, and a lack of government accountability, a 256 % payment increase is obscene and inhumane.

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 2022-09-19
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Throughout the life of the loan they have been either applied all of my payments or a majority of the payments to interest and not the principal therefore creating an excessive interest amount collection for the life of the loan and not what the contracts states I would be charged

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 2022-05-27
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, Equifax and XXXX. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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 a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand that the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: TX
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 compliance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX 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