BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from CITI bank regarding my Best Buy Credit card account that I paid off in full in XXXX. They said they were contacting for late fee that had rolled over after I paid it off. So we're rolling a late fee forward and I was even aware that I owed the fee. First time I heard it was today and it had doubled. So since they refused to take the entire fee off I paid {$31.00}. This unfair treatment for someone who had always paid on time. Collection of late fees that continue to roll over is an unfair to good paying customer..

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 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America processed my monthly mortgage payment twice on XX/XX/2020 which resulted in duplicate payments. On XX/XX/2020 XXXX payments each {$3900.00} USD were deducted from my checking account. I have raised a ticket immediately, infact I raised 3 tickets and called them 6 times but no action has been taken yet. It's been more than 15 days since I filed the first ticket.

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 2023-10-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There were 4 fraud transaction made in XXXX in my account. I called HomeDepot to dispute the charges. The charges come back to my account in XXXX, and I called to re-open the case. They " claim '' I should be responsible for the charges after investigation. 

I opened the HomeDepot Card in year end XXXX, when I live in XXXX XXXX, XXXX. I moved to my new house in XXXX XXXX in year end XXXX, and then I never used the home depot card again. 

In XX/XX/XXXX, I got email notification for the fraud transaction in my account. I called to dispute the charges. Then I looked into my account. HomeDepot sent an new card to my previous apartment in XXXX. Then the fraud transaction happened. So I think someone with access to the mailbox of my previous apartment activated the card. We have moved out from the apartment for 2 years. We have no access to the card that HomeDepot mailed to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 no knowledge of the the following account XXXX XXXX / XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

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 2019-02-09
Company: Experian Information Solutions Inc.
State: WI
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 reviewed my credit file and noticed the bureau EXPERIAN is reporting The below listed account that was not opened by me, I did not profit from the account having been opened. Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I need them to delete all information which can not be verified. Please have Experian delete XXXX XXXX {$58.00} derogatory remark off my account immediately as it is not mine!

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 2023-04-28
Company: EQUIFAX, INC.
State: TX
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2019-05-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last XXXX Chase J.P. Morgan had closed my checking & savings account. There reason of canceling my account was to many claims I asked them what is to many claims and they couldnt provide extra information. I have done 3 claims and no where does it say or limit me claims I can do. Yes I know I read the customer agreement from they can cancel for any reason. I also read they can report your information to third parties/ bearus. This is making it harder for me to apply for any place for a checking account. Its shows my Free credit reporting act that there is some kind of blockish getting me a checking account. I also have a car loan with chase and as they may say they dont want to do business with me that cant be possible with an existing car loan. I cant even log in to check my balance or even make payments. I am hopping to either recover my account and or have it removed so I can move forward and apply to other checking accounts with other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
This is a problem with MOHELA and an incorrect monthly payment. 

My loans were originally through XXXX. After I made first payment for XXXX, I was switched to MOHELA verifying my employment for PSLF. On XX/XX/XXXX, I got my first email from MOHELA confirming that my loan was transferred, and I needed to set up my account. On XX/XX/XXXX, I got a second email saying my loan payment was past due. When I checked my account on XX/XX/XXXX, my account had a past due payment for {$1300.00}, when my payment under PAYE should be {$330.00}. On my account under the " Income Driven Repayment Details '' tab, it is still showing the correct information under PAYE. 

I called MOHELA XX/XX/XXXX and was on hold for 100 minutes before I was able to speak to someone about my issue. After they spoke to a supervisor, they were still unsure why it was showing the correct information in my IDR Details, but that's not what they charged me. They said they would re-run my information and that should fix the issue. When I asked how long that would take, they told me 3-5 days. 

Just now, XX/XX/XXXX, I got a letter dated XX/XX/XXXX from MOHELA that my request was received and will be processed in the next 90 days. My next payment is due XX/XX/XXXX, which I also haven't gotten a statement for. I can't pay the {$1300.00} past due on my account, let alone the payment due XX/XX/XXXX when I should be paying {$330.00}. I have auto debit set up, and if the {$1300.00} had been taken out of my account, it would have overdrawn. I believe the only reason it didn't do that was because MOHELA didn't my have my account set up at the time the payment was due. I don't want to remove auto debit so I can get the discount on the interest rate, but I'm going to so I don't get charged unnecessarily. 

I also qualify for a loan assistance repayment program through the University XXXX XXXX XXXX XXXX and need to submit my application for that by XX/XX/XXXX. I need to submit my latest statement as part of the application, and I'm concerned I'll be denied if the statement isn't accurate to what my payments should be. Because of my income, the university should be paying 100 % of my student loans as long as I'm approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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: Account information incorrect

Complaint:
On XX/XX/XXXX my XXXX XXXX mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with XXXX. Two weeks later XXXX sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted XXXX  XXXX and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call XXXX again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called XXXX  and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later XXXX reported my account as closed to Transunion however with a balance of {$190000.00}. They also reported that false information to XXXX. I have proof of the wire transfer to XXXX on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to XXXX with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.

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 2023-09-29
Company: EQUIFAX, INC.
State: CA
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 someone open an account on my behalf with my social security number in South Carolina with TD Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied to the SAVE repayment plan in XXXX XXXX times. In XX/XX/2023 my application was finally processed and I was placed in the SAVE plan. I was also automatically entered in deferment due to being in school. I requested and filled out paperwork in XX/XX/2023 to have automatic deferment removed from my account. This was not correctly processed and In XX/XX/2023 I was removed from deferment and the save plan and placed back into a local plan. I just want to be placed on the SAVE plan and not automatically be entered into deferment. I have been attempting this since XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX  {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 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 2021-07-21
Company: Sequium Asset Solutions, LLC
State: CO
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 keep getting a collection account showing up on my credit report. Sequium Asset XXXX  I disputed the report, they removed it. Then they added it back on again. This is not my account they are trying to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/23 submitted an application to be placed on an income driven repayment plan. Was placed on one that was still not within my affordable budget. Now I have a larger payment than before and are placed back on the standard, level payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2021-01-03
Company: Experian Information Solutions 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:
Criminals accessed my credit report to check me out and then fraudulently acquired a auto loan in my name # XXXX. I have complained heavily against XXXX XXXX XXXX XXXX but to no avail. The credit was not extended to me but to the criminals. XXXX XXXX XXXX XXXX  continually denied so I am proving the fraud since XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. XXXX and Experian also have liability because they are refusing to acquire the permissible permission from XXXX XXXX XXXX XXXX, review the permission that does not exist, and then remove the negative listing from my report. XXXX  XXXX XXXX XXXX is relying upon an forged, undated, and incomplete application.

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