BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: CITIBANK, N.A.
State: KS
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:
My Shop Your Way Card was charged over {$200.00} that was a fraud. It was charged to XXXX which we have for tv, internet and home phone. I called XXXX  and they had no such charges as they go directly to our bank for the service we have from them. Shop Your Way will not check which XXXX ; they said they never call third parties. This has been going on for six months. First date was XXXX XXXX, for {$100.00} and second charge of {$170.00}. I have called Shop Your Way numerous times and have written to them and sent my XXXX bill, so they cans how XXXX goes to our bank directly ( no credit card is used ).

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 2021-07-26
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:
I have made several attempts with XXXX XXXX, and Transunion to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.

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 2015-07-23
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
HYUNDAI MOTOR is reporting that I owe over {$20000.00} dollars for a vehicle that I leased with them XX/XX/XXXX. I voluntarily surrender my Sonata vehicle on XX/XX/XXXX. I had asked Hyundai Financial to pick up the vehicle on XX/XX/XXXX, but they took too long to pick it up. The vehicle was in perfect condition. My credit report is reflecting a debt that does not correspond to reality. Should I have a debt for any responsibility for the vehicle, it should not be more that {$1000.00} dollars or so. I do not agree with such reporting and I oppose to any debt that Hyundai has been trying to charge to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing you this letter to dispute XXXX Mortgage late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX Mortgage about being qualified for a loan modification. I declined the loan modification, only to have XXXX mortgage hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX mortgage loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX mortgage concerning my loan modification that I never signed up for. 

I spoke with a XXXX Mortgage rep XXXX XXXX, XX/XX/XXXX, and XXXX reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX Mortgages home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX Mortgage several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX Mortgage for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/2021 I disputed information on my credit report. 
Barclays bank refused to respond within the 30 days provided under FCRA 15 USC Sections 1681i. I received information from XXXX  that the account will be removed ( please see attached ) and as of today the information is still reflecting on all credit bureaus. I need this to be updated accordingly per FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: BROCKELBANK INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My rental agency that I rented 3 different homes from over 7 years without a single problem was trying to have me pay for an upgrade of a house I rented for it ( the house had now been sold ). They refused to do inspections with me before I moved out of the house in XX/XX/2015 after I had requested for one several time. And they had not refunded my {$760.00} deposit till now. My problems with this agency started when I decided to purchase my own house and got another agency to assist me with the purchase ( I have my own home now and glad I did ). This is just a case of a mean and bad spirited agent trying to destroy the good credit score that took me years to work for. They should have filled a lawsuit if actually they had any case against me. I hope you guys will get to the root of these and reinstate my credit score to it 's original version. I owe this agency no money but they are still holding on to mine. It is injustice for this to be allowed by the credit reporting organizations. This is nothing but an exploitation by this rental agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Filed a complaint about another debt collector on this issue in XX/XX/2015. See file XXXX. Another debt collector EOS CCA is trying to collect on the same debt on behalf of XXXX XXXX XXXX although the debt is not mine and the previous collector removed this debt from my credit report in XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loans show that they are still in collectio/default status. I am currently enrolled in a IDR program with great lakes borrower service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: OR
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 had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX  ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX claims I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS Mortgage will not update my account with payments from XX/XX/XXXX and they denied me the ability to make payments via the web service or over the phone.

Specialized Loan Services has continued to not credit my account for electronic payments made XX/XX/XXXX in the amounts of {$4600.00} ( XXXX XXXX XXXX XXXX XXXX ) and {$6100.00} ( XXXX  XXXX XXXX ) ( *total of {$10000.00} ) made electronically to SLS citing my account number via bill pay services from both of these banking institutions. My accounts were debited on XX/XX/XXXX in these exact amounts, however, my SLS account has shown no change. 

I called today XX/XX/XXXX to make a {$9000.00} payment and was denied to make any payments over the phone by XXXX ( teller ID # XXXX ). She would not cite any legal reasons for not accepting payment over the phone. After placing me on hold ( several times ) and referring to her management, I was instructed to XXXX payment by mail to Specialized Loan Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX and given no other options. 

Payments on XX/XX/XXXX in the amount of {$6000.00} and XXXX {$8800.00} were accepted over the phone. All notes on the account should reflect my purpose to become current and make payments towards that effect. There is also an UNAPPLIED payment amount of {$3700.00} against my account which SLS has been requested to apply against the arrears amount, but has NOT COMPLIED.

SLS has consistently 1 ) Denied me the ability to be covered under COVID FORBEARANCE protection without citing specific reasons for denial 2 ) Continually and consistently coerced me to apply for their Loan Modification program, even enrolling me without my consent 3 ) Denied my ability to make payments in a timely fashion through the web or via phone - or otherwise failed to apply payments I have made to my account in a timely fashion to reflect my ambition and purpose of getting the account up to date. 4 ) Misinformed me, mislead me or otherwise misdirected me via their call center and supervisor escalations thwarting my abilities to address my delinquency in a timely fashion. 

If it were not for XXXX XXXX XXXX I would have been railroaded by SLS ' call center staff and supervisors into a Loan Modification program which I did not want. XXXX XXXX of XXXX has been instrumental by being a liaison between SLS and myself. 

PLEASE HELP ME!!! It is clear SLS ' intent was to either enroll me in their Loan Modification Program or to not accept payment and force foreclosure. 

It has always been my intent to resolve the account and bring it current. I have been stonewalled at every attempt to do that when it is not under their loan modification terms.

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 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America said they not going to pay

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 2015-08-28
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has recently tried contacting me again and again regarding a debt that I do n't even know about. I have settled alllllll of my payments with my cellular company and however they dispersed the funds is their business. Recently I disputed this account with the credit bureaus and it came back verified and they even re-aged it and said I owed a balance and that nothing was ever paid. I am utterly confused by this companies tactics and would like them investigated please. This account is so old I have no paperwork to provide They have passed the statue of limitations in everyday to report to my XXXX credit reports or to connect or attempt to collect anything from any one in my family. They even spoke to my mother, while asking for me, and she was utterly confused. Please make them go away and have them remove their account # XXXX from my credit reports immediately. I will pursue litigation if necessary, they are very aggressive. I have settled all payments I have ever had and they have recently contacted me again, I believe them to be attempting to re-collect a debt in full again. I am not sure. They have no right calling me and leaving me automated voicemails on my cellular. I do not know who this company is and I would like them investigated for harassing me. II have read the websites and have heard horror stories of this company and now I am a victim over a few hundred bucks. This account is false and illegal placed on my records. have not had any debt issues over seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that XXXXhisSIMONS AGENCY INC was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions 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:
Experian has refused to send me information stating that said accounts belong to me although I have requested the original documents stating I signed it. Most of said accounts on my credit report with experian are fraud accounts and no way can be verified. These acts by Experian obviously not properly investigating these accounts are preventing me from obtaining credit and therefore violating my civil rights.

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 2017-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX ,  XXXX , and Experian refuse to remove fraudulent inquiries from my credit report and I am attachin g two copies of their responses to this complaint along with yet ANOTHER polic e report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.

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 2021-07-26
Company: World Acceptance Corporation
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: Account status incorrect

Complaint:
World Finance XXXX  continues to update an account as negative on my personal credit report after they have received payment and considered the account paid and closed. The have now, listed the account twice on my credit report cause unnecessary damage to my personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was the victim of identity theft. I was advised by investigators to freeze my credit reports. I did this. Now 2 years later I need to move and am having difficulty with TRANSUNION to UNfreeze my account. I have phoned them several times and can not understand their employees, as they do not speak clear English. I mailed 18 pages of my identity priority mail, certified mail and they received it within 2 days. Then this past Saturday I received a letter saying- heres the credit report you requested! I did not request a credit report- I requested that my report be UNFROZEN! What is wrong with TRANSUNION?

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 2020-03-28
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2022-08-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have previously sent many complaints to this company regarding my disputes with my consumer report. I have also called this company to get an update on my disputes in light of recent investigations brought upon Equifax. 

Over the past XXXX  years, I have made several attempts to remind you of your duty pursuant to 15 USC 1681. It appears that you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( XXXX ) says that after the reinvestigations all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. 

Please remove these accounts from my report IMMEDIATELY : - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation