BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-06-01
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yes on XX/XX/XXXX and XXXX mo ey was taking out my credit karma account from XXXX which I never authorized got refunded back but on XX/XX/XXXX credit karma lock my account to where I can't withdraw fund or anything just get direct deposit I been waiting patiently for them to unlock it to access my fund but nothing yet and I need to pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX another XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX NC there is a lawsuit almost settled due to delays in my care and XXXX XXXXXXXX they know that they will be paid when settled the lawsuit is in XXXX XXXX XXXXXXXX that's where they messed me up, I could not even walk let alone work im still in XXXX and on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Home Depot Credit Card Serviced by Citibank has made multiple calls to collect a debt that was only a couple days past due. 

There were several calls made at the end of XXXX into XXXX but my phone log had cleared those. However below is the call log from the last 3 days. 

On Thursday XX/XX/2019 the company called 4 times, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

On Friday XXXX XX/XX/2019 the company called 4 times, again leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

On Saturday XXXX XX/XX/2019 the company called 4 times, once after I had already taken care of the payment, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. I had called and made a payment via the automated system at XXXX XXXX  for {$25.00} which cleared the past due amount. 

The payment was due XX/XX/2019 and a partial payment was received for {$30.00} on the due date. I am aware that my minimum balance due has increased and I was not aware that this company did not automatically charge the higher amount, much like all others, when the payment is set for autopay. I have signed in to change the amount for autopay each month to meet the minimum due.

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 2020-07-29
Company: Allied Account Services, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: EQUIFAX, INC.
State: OH
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 complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I called Ameris Mortgage and ask to have the PMI removed from my mortgage and to send me a current copy of the Commitment and Certificate of Insurance. When this request was first made I was not under the XX/XX/XXXX LTV. I was given the option to make a lumpsum payment to bring my equity to below 80.75 % the current LTV. So upon the next payment I reached XX/XX/XXXX % LTV and again requested the PMI be removed, They are now requesting the $ $ for a new appraisal. The balance on this loan is {$220000.00} from original loan of {$240000.00} on XX/XX/XXXX. Pre-Construction appraisal of {$270000.00}. XXXX XXXX homeowners replacement cost is {$400000.00}. There is no justification for a New appraisal, I begged to have a post construction appraisal done, but they refused and forced us to go with a Pre-Construction appraisal. If a Post-appraisal had been allowed, my equity would have been above the XX/XX/XXXX XXXX and no PMI would have been required. 

They provided me a copy of a Commitment and Certificate of Insurance, But it was for my construction part of the loan for 12 months. I contacted them again and advised this and asked again for the current Commitment and Certificate of Insurance on my mortgage. They then mailed me the PMI disclosure from my Construction loan. I contacted them again and advised thus and they said they could not find and/or provide me a copy of the Commitment and Certificate of Insurance. They instructed me to call XXXXXXXX XXXX XXXX, and ask for a copy and they would be able to provide this to me. They also gave me the phone number. I called XXXXXXXX XXXX XXXX and they advised me that they could not find any PMI Policy under MY Name, My Mortgage Address, or My Loan number. I contacted Ameris Mortgage and ask for all my PMI payments be returned as no policy is in effect. I have been given NO explanation, No help, No return call, No way to talk to PMI Dept as they don't have any phones in that dept., No place anywhere in GA to walk in and talk with any representative in person. It has been alot of dead ends, and NO answers to my very legitimate request. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX incorrectly reported a late payment to each credit bureau which is shown on my credit report. The company claims that everything is accurate on their end, and verified that each payment has been made on time. I have filed a dispute through the company as well as directly with each bureau and each XXXX XXXX XXXX XXXX XXXX claims the information is accurate when it is not.

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 2019-02-02
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 am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the company continues to state this account belongs to me it does not andx was taken out by my father without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NV
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 reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2023-06-01
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: Account information incorrect

Complaint:
The credit bureaus are not updating my accounts. The amount owed are incorrect and I have made my payments on time for the past two years but my score keeps decreasing. I have filed disputes with them even when my claims were in my favor they would take XXXX or XXXX points only to give me XXXX points back even though I proved it was incorrect on their behalf. I feel like I keep submitting the information to them and they are not investing. On XX/XX/XXXX I submitted a dispute and they say it was resolved the next day. I feel like when items are close to be remove they find incorrect information to make my score decrease. I just want my score to improve for me paying on time over years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: PA
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:
Chapter XXXX Bankruptcy : Bankruptcy ( Never filed, this is an error ) XXXX  XXXX  XXXX  ( Never had a repossession ) {$7700.00} XXXX  XXXX  XXXX  ( Never late on any of these loans ) Reported : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX   XXXX  Reported : XX/XX/XXXX {$0.00} XXXX  XXXX  XXXX  Reported : XX/XX/XXXX {$0.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed or correctedimmediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for

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 2023-06-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2022, I deposited a check for the amount of {$1300.00} and in XXXX I deposited another check for the amount of {$1300.00}. The same month, Citibank sent me a letter that the check for {$1300.00} was deposited twice, but they were two different checks. I went to the citibank office and after looking at the records they saw that it was a system error and that they were going to solve the problem with the two checks in 5 days, the 5 days passed and nothing after a week I called again and told them about the problem and they saw the record and that they were going to solve it in 15 days. The 15 days passed and I called again and another 15 days to date, they dont have returned the two check still waiting

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 2022-05-15
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 believe it was a mistake to close my Paypal account. I am using my paypal account on receiving funds as payment on my client XXXX XXXX XXXX. XXXX XXXX and i'm using it since XXXX Paypal accounts XXXX has stucked funds that i need to widraw for paying my bills. I am hoping that i can get back my account and widraw my funds. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 2 inquiries on my Experian and XXXX reports that I do not recognize connected the two lenders at the addresses showing on my credit reports both came back return to sender no such address ( XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 26 : purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Personal information incorrect

Complaint:
on my records is wrong information, i know about my rights and i understand my information must be XXXX porcent accurate, verify and completness, EXPERIAN is just puting on my credit inaccurate information, i already dispute it a month ago but they dont answer my complaint, the 30 days they have is over and at the moment i did not recieve anything about it, so the credit bureu is not doind the homework they are not interest in my as a customer so this is why im contacting the CFPB i need help with the lazy credit bureu

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is practicing fraudulent and deceptive practices with its student loan repayment processing. When attempting to repay student loans Navient calculates the amount due three ways ( 1 ) Total Amount Due ( 2 ) Current Amount Due and ( 3 ) Unpaid Fees. Navient has two options to repay those amounts ( 1 ) Quick Pay which is the Total Amount Due OR ( 2 ) Custom Pay which allows you to manually input payment amounts totaling the Total Amount Due. However, this is a fraudulent and deceptive practice because the Borrower is forced to pay the Total Amount Due regardless of intention or desire. The Borrower can not pay the Current Amount Due or Unpaid Fees as the system would suggest. ( See attachment for clarity ) Further, when attempting to complete a Custom Pay Navient forces the Borrower to pay the Total Payment Due ( rather than the Current Amount Due ). The repayment tool does NOT allow the Borrower to pay the Current Amount Due.

The fraudulent and deceptive practice becomes even more apparent when attempting to make a payment to Unpaid Fees. When selecting to make a payment of Unpaid Fees the tool calculates the Unpaid Fee amount and submit that payment amount toward interest and principal, NOT toward the Unpaid Fees as the system indicates. Thus, the Borrower CAN NOT pay the Current Amount OR Unpaid Fee Amount. 

In this case, the unpaid fees occurred in XX/XX/2012. Thus, Navient has been calculating and receiving an additional {$81.00} per month and allocating it toward principal. Borrowers under IBR plans have been paying, and Navient has been receiving, amounts that are more than required under law. 
It took me 8 years before I figured this deception out. I am sure hundreds of other Borrowers are incurring the same fraud and deception as I have, costing them hundreds and thousands of dollars per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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: Account information incorrect

Complaint:
have two XXXX XXXX  accounts still on credit report showing closed i requested those two accounts be removed and block i sent n wrong police report credit so im uploading the report with the officer name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
CITIBANK, for more than 4 years I had both personal and company citi bank service, in XXXX, a payment of money was made to me which was deposited in my company account, the payment was rejected due to insufficient funds, and my accounts and all the services I had with Citibank were canceled. 

I understand that one must take care of who receives these payments, but the check received was from a client who had an account in the same bank, and was not in the country, no withdrawal of the funds was ever made nor did the account remain with a negative balance, owing money to the entity. resulting in the closure of all my accounts, and that of the client who made the payment to XXXX XX/XX/XXXX, I went to open a personal bank account in the same entity and the account was opened without any problem, the opening deposit was made, and after 3 days that account was closed without any explanation, without having taken any type of action that could affect the bank or my accounts. 

To the date after I managed to open the account with them I was notified that the accounts were closed and I could not reopen the account with them, without giving me any reason and without knowing why if I comply with all the legal requirements I can not make use of banking services.

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