BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
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:
Experian used my information, meaning IDENTITY THEFT AND FRAUD. I didn't give them permission at all to use my personal information. I have sent them countless emails for them to remove these inquiries and bogus accounts. I even sent them 15 USC 1681c-2 and 15 USC 1681B ( a ) they continue to disperse my information to other agencies, and it is extremely XXXX  to gain good credit, house, car or credit, because they are accessing incorrect information, and without my permission to use ANY OF MY PERSONAL INFORMATION. They have constantly ignored me, after asking and demanding that they remove these items! They also ignored the USC-laws as well. 

Please see that these items are indeed removed.

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 2023-06-16
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 a dispute was submitted for an unknown account on my credit report. I have no knowledge of this account. On XXXX XXXX. The account came back verified. I have not been provided any verification or any Information that confirms the validity of this debt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This same incident occurred with other unknown accounts being reported and no investigation is actually being conducted.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: TN
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'm asking you to adjust this suspicious data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file.

Original Creditor 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 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 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 2023-06-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: CA
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:
called XXXX and let them know they ran my Equifax credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to four different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against XXXX Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
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: Account information incorrect

Complaint:
Your company is continually violating my privacy as a protected consumer. I have made multiple attempts to resolve this matter. I was denied my basic right of privacy without any regard. I am attaching a letter that contain some inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Upon asking Bank of America in 2012 why they stopped sending me a monthly invoice they informed me it 's due to the fact that both of my credit cards had been moved to a Chapter XXXX Bankruptcy folder. The problems with this are, XXXX of the cards was found to be fraudulent. Which Bank of America took care of. The other is, I 've never filed bankruptcy. After bringing this to their attention I was told that all card accounts would be frozen until an internal investigation could be completed. I was to do nothing until I heard back from them. A lengthy amount of time passed and I did not hear back from Bank of America. I contacted them about it and was told that no payments could be accepted because the legal dept. said the account could not be worked. Some more time passed and I received a credit report update that Bank of America had charged off the account as failed collections and bad debt. No communication or collection attempts were ever attempted nor should they have been needed. Bank of America simply needed to correct their error and reinstate my account. Which of course they have n't. I 've done nothing but follow their instructions. Yet, they continue to imply that this matter is somehow my fault. I have engaged the help of an attorney and after lots of stonewalling Bank of America has acknowledged over the phone to myself as well as my attorney that this is a bank error. The legal dept. has opened the account to be worked and I 've started making payments but Bank of America refuses to remove the account being charged off for XXXX months from my record. I need help resolving this as Bank of America seems unwilling to do the right thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Velocity Portfolio Group
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: Information belongs to someone else

Complaint:
XXXX XXXX. Sent account to CKS prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX XXXX XXXX  still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately

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 2023-11-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
During my travels abroad, I encountered an overbilling issue at a hotel, which was duly acknowledged by the hotel staff. Subsequently, I received correspondence from the hotel extending apologies for the error, alongside a request from their banking institution for Citi Bank to intervene and rectify the situation. Regrettably, my initial claim with Citi was rejected, followed by a subsequent rejection of the second claim. I've been informed verbally that the third claim was approved ; however, as of yet, I haven't received any written confirmation from Citi. 

The frustration arises from the apparent reluctance of Citi to address a customer 's legitimate concern, despite clear communication from the hotel owner acknowledging the overbilling and their bank 's explicit request for Citi 's involvement. Despite possessing undeniable documentation supporting the validity of my claim for a credit, Citi continues to dismiss my credit requests, which is deeply concerning. Furthermore, the bank has informed me of their action in crediting Citi with the amount owed to me following Citi 's belated outreach to them. Yet, I find myself unable to obtain a transparent and honest response from Citi regarding the resolution status. 

Throughout approximately XXXX to XXXX communications, the consensus among Citi 's lower-level staff unequivocally supported the legitimacy of my claim. However, there seems to be a discrepancy between their acknowledgment and the decisions made at higher echelons, resulting in continued rejection of my claims. 

This persistent discrepancy is not only disconcerting but also indicative of a systemic issue within Citi, reflecting a lack of commitment to fulfilling customer promises and an apparent deficiency in oversight mechanisms.

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 2016-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I asked for a return on a mistaken payment. I called customer service every day the following week ( Tuesday - Friday, also Sunday and the following Monday ) to Bank of America to inquire about the said return. I got different answers about when to expect the return. Some reps told me 2-5 business days 1 rep told me 7-10 business days. XXXX wanted to help me, other than tell me to wait and call back if it still has not been returned. After the given period of 2-5 business days I called and the rep said she would escalate it, trace where the money is and credit me XXXX . When i checked 2 days later, i was told there was no credit of XXXX $ and a rep did not have the authority to do so. Also there was nothing else done besides a " small investigation '' into where my money was. Which another rep told me was just to notify me when the money ends up in my checking account. So basically after calling for 7 straight business days noone did anything to help me. I still do n't have my return. And I am told to continue to wait and if it 's still not in my account after 10 business days then call back. Who knows what they will tell me then, but I am relying on the word of customer service reps who have continually lied to me after 7 days of calls. Seems like noone there is willing to help me.

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 2020-07-21
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with creditor for all validation and verification written information on the debt. i have not received nor have they complied and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Winklevoss Exchange LLC
State: NY
Product: Credit 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 had my wallet and phone with pass code stolen on the evening of XX/XX/2023. I filed a police report the next day that listed all the cards that were stolen. The theived spent {$1900.00} dollars on my Gemini XXXX. I submitted this police report to the company multiple times. Most recently on XX/XX/2023. When I called today, they said that they had not received the police report. Then I received an email saying my claim had been denied. The police report clearly shows what cards were taken and it includes the Gemini card. These charges are definitely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the XXXX recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the XXXX. However, the greed that exist within the debt collection community caught up with Navient, and many others when the XXXX suspended contracts for deceptive and illegal collection practices. Navient was never part of any student loan origination. They now claim that any student loans I owe are private, even though previously they claimed they were collecting on behalf of the XXXX. Now they claim that they can not defer payments, consolidate debts, or do anything other than collect on debts they have shown no proof of ownership. I have no clue as to what company is the trustful owner of any procured student loan debts under XXXX XXXX. Even though I never took part in any procurement of a debt from Navient, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for Navient. So it looks like my credit will be dinged and damaged by this collection agency that has no stake in the debts they claim they have a right to collect on. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Navient has no right to collect on any debts without proper validation. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. Navient must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. Navient must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
An escrow company submitted XXXX payoff checks to Navient on my behalf. The checks were overnight shipped to the proper address, an employee at that address signed to accept the delivery, and I received confirmation that the package was delivered. The checks cleared the bank on Jume XXXX, but Navient has not applied the amounts to my account. They say that they did not cash the checks, that XXXX XXXX cashed the checks, and that I need to resubmit checks to the proper address and deal with XXXX XXXX to get a refund. I confirmed the address with Navient, sent them the deliver confirmation, sent them copies of the cancelled checks, proving that the checks were addressed at made out to the proper entity. Still, the refuse to resolve the issue and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I have first reported the problem of not receiving the {$200.00} statement credit that was offered when opening the Synchrony XXXX XXXX credit card. I have messaged them XXXX, XXXX and XXXX. They keep on saying they will forward it to the appropriate department but ZERO updates was given. I have provided them with the screenshot of the offer and ZERO progress is being made.

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 2016-07-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Per the requirements I have been sending payment with instructions to Navient as how to specifically allocate the payment, starting with the XXXX loan ( by name and number ) and allocating all fund required to pay off that loan, and then moving to the next. I do this each time I send in a new payment. XXXX out of XXXX times I have done this, Navient has not applied the payment correctly. I have had to email them and request that they go back and reallocate the payments as I instructed in my letter. This, to me, is not only illegal, but extremely deceptive. I have followed all their requirements with each letter ( I have saved copies of each ), and yet, they continue to apply the payments to lower interest loans not specified in the instructions. Only after I send them an email threatening to report them do they re-allocate correctly. I, personally, am tired of having to do this. Navient is not only ignoring the initial instructions, they are breaking the law. I truly hope this will be looked into ; I am sure there are students who send payment and do not double check that the amounts were applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had my bank of america credit card ending in XXXX for year and have never been late. Bank of america sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I can not afford the new payment for my loans, it was interest only and went up by {$200.00}. When I called in an attempt to make some different arrangements I was advised to not make the payment, causing it to go to collections and then they said they would be able to make different payment arrangements after that. I do n't understand why they would want me to risk my credit by doing such a thing. I explained that I could afford an increase of {$100.00} per month but not an increase if {$200.00}. They insisted that there was no other way to make a different arrangement without sending my account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/ I opened up an account with XXXX by Goldman Sachs. After transferring {$1600.00} from my bank account into the savings account, they randomly closed my account and said that I must call them to have it reopened. After having MULTIPLE calls with different customer service people, finally they concluded that they can't open my account and that all they can do, is close my account. One person prior to this even said that they would send me papers in the mail so I can have my account reopened, but 2 months passed and they never did, even though they said it would take 7 business days... So I decided I really don't have a choice but to close my account. They said that If I call back in 2-3 business days, we can TALK about having a check mailed to me. My account has been closed since XX/XX/XXXX and they still have yet to give me my money back. I'm so frustrated with this company and it feels like my money was simply stolen from me. Please help

Company response to consumer: Closed with explanation