BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: MA
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 was the cardholder for a XXXX XXXX Store Card Account in XX/XX/2018. I paid the card off with no delinquency or late payments and I did not use the card thereafter. I reviewed my credit report and noticed that the Account was indicated as closed, {$0.00} balance paid. 

My legal team advised that although the card is paid to it's entirety, because I have a short credit history this closed Account impacted my score negatively rather than improved it so I was urged to contact XXXX XXXX directly to request a deletion letter or have the bureaus update the credit reports to reflect a {$0.00} balance only. I recently spoke with two representatives who stated that XXXX XXXX does not offer goodwill/deletion letters but a {$0.00} balance letter and Account Closed letter can be provided. 

I know the company XXXX XXXX, has went out of business in XX/XX/2018 therefore the card was no longer active. However, the reporting to the bureaus affected my score and this blemish needs to be erased. I have proof and the credit reports to prove that that the card was paid on time and satisfactorily.

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 2023-10-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX, Citi bank closed all my CITI credit without a notification, just before CITI close my CITI XXXX credit card on late XXXX, Citi charges {$95.00} annual fee for my CITI XXXX card for the XX/XX/XXXX to XX/XX/XXXX. And Citi bank has policy to refund all annual fee if the card is closed within one month after the annual fee is being charged. I have called CITI customer service several times and get confirmed by different agent about this annual fee refund policy and get this recorded. Citi charged the annual fee of {$95.00} from my linked XXXX bank account for automatic payment on XX/XX/XXXX, but refuse to refund the annual fee, even I am no longer your customer anymore. This is illegal and fraudulent to charge the upcoming annual fee from XXXX for my CITI premier card but I am no longer your customer anymore after XXXX this year. There is no reason I should pay the annual fee for CITI credit card when I don't have account with you. Please refund the {$95.00} annual fee charged for my Citi premier card on XX/XX/XXXX 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 monetary relief
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Gift Card has a {$75.00} balance that has never been used - card says valid thru XX/XX/22. Attempted to get a new card reissued, as this card was prepaid, and never 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 explanation
Consumer complaint received 2023-03-04
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 status incorrect

Complaint:
I have reviewed my credit report and noticed that there are several inaccuracies for XXXX XXXX XXXX XXXX  XXXX Credit Card. This is causing harm to my credit profile and causing financial harm as it affects the overall interest i pay on recent and future lines of credit. 

The debt is being reported twice on my credit report from both XXXX XXXX XXXX XXXX  XXXX and by XXXX XXXX XXXX. The debt should not be reported twice. 

The second inaccuracy is that there is no balance owed to either creditor. The balance was settled and there is a balance owed. XXXX XXXX XXXX assured me that the debt would be removed permanently from my credit report. I would request that the most recent phone call be pulled from XXXX XXXX XXXX and hear the representative ensure that the debt would be deleted. The phone number I would have called in from is 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 2020-08-01
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : 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 2023-06-06
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital System has a collection account on my credit report. I have disputed them three times and they are reporting as accurate. The original company is XXXX XXXX XXXX which I have never did business with this company. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, while living in XXXX XXXX, NC, after having been displaced from our home on XXXX XXXX, by XXXX XXXX, we were the victims of a sim card swap scam which allowed individuals to access our Navy Federal Credit Union XXXX XXXXt and regular everyday checking accounts via our NFCU app on our XXXX. They transferred {$18000.00} from our trust account to our regular checking account. They then went to the NFCU branch at XXXX, Washington, and withdrew {$8000.00} from our account. Then they went to the branch at XXXX XXXX, WA, and withdrew {$9000.00} more dollars from our account and purchased a {$8500.00} cashiers check using funds from the account as well. When they tried to cash the check at the XXXX XXXX, WA, branch it was confiscated. When we were first notified of the pending transfer of {$18000.00} between our XXXX accounts, we advised the NFCU that we were not responsible for that transaction and started the claim process with the NFCU fraud department, or so we thought. Over the next week we talked to any number of fraud department agents about the fraudulent transactions. Our checking accounts were closed and new accounts opened with the adjoining debit cards being changed out. The NFCU ensured us our funds would eventually be restored. We filed a criminal complaint with the XXXX XXXX Police Department, reported the incident to the Federal Trade Commission, and notified our XXXX XXXX about the identity theft. The funds from the cashiers check were never restored to our account. In order for us to file a claim with XXXX, they needed documentation that reflected the fraudulent transactions, but since the accounts were closed, we were no longer able to access the bank statements. We have requested those statements from NFCU but have yet to receive them in the near XXXX weeks since the request was made. On XX/XX/XXXX, we called NFCU to check on the status of our claim and was advised we needed to fill out a form to begin the claim nearly a month after we first notified them of the occurrence!! 
As stated before, we discussed this information with any number of fraud department agents for nearly a week and no one mentioned a form needing to be filled out. We have done business with the NFCU for thirty-two years and expected a problem of this magnitude to be handled professionally and in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: Arbor Professional Solutions, Inc.
State: MI
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 of 2019 I submitted a 609 dispute letter to the company and was sent back a bill this response did not provide me with the information I requested per my 609 dispute letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Alorica Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I originally had a loan with XXXX which was sold to SST. Part of that loan was a savings account that shouldve been returned to me when the loan was paid off. The loan was paid off XX/XX/2023 in the amount of {$1400.00}. The payment cleared my checking account the next day on XX/XX/XXXX. Ive been unable to get a specific date that my {$2500.00} savings account will be returned to my checking account. I have sent several messages and called both SST and XXXX with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : 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 2018-03-15
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: Account status incorrect

Complaint:
I have a XXXX XXXX Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my XXXX XXXX to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. XXXX XXXX told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called XXXX XXXX in XX/XX/XXXX to inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.

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 2023-06-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
While depositing our business cash deposit at the XXXX XXXX WA location ATM the power went out. We spoke with customer service and they said they would balance the totals and report what the actual deposit was and credit us the exact amount. they then said in the meantime they would like an estimate so they could credit our account temporarily. I specifically requested to not get the credit as it would be more headaches to account for this. Ultimately I spit out an arbitrary total with the disclaimer that its likely incorrect. They credited us that amount of {$4000.00}. I reached back out a few months later only to be told that number is the number I get, so I let them know it was CLOSER to {$8000.00} after a brief review and would report the true expected deposit to my business banker. This total included some change as I provided the complete expected total {$8800.00} as opposed to the to actual which we would have retained the coins. They then said our request to adjust is denied due to the inclusion of cents. Their customer service has been rude, condescending, and unable to follow simple instructions along with the fact that they are sitting on thousands of unearned dollars and will not provide a resolution even after following their direct instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have lease 2 Vehicles with GM Financial, they are both electric and qualify for no sales tax in Washington state. Both my contracts show the correct payment but GM Financial is reporting to all the credit reports my payment with Tax included and also the payments listed online and on my statements are not correct. They are showing my payment with Tax which is not correct.

I have called Gm Financial about this multiple times and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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 have request Equifax to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Equifax has also failed to comply to multiple federal and state laws under the FCRA.

Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for Equifax to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file.

I am asking for Equifax to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which they spoke with them.

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file.

I listedthe inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. Unknown Creditor Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information XXXX Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MN
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: Was not notified of investigation status or results

Complaint:
Experian has been noncompliant and has failed to comply since XX/XX/XXXX, XX/XX/XXXX. They have received each letter and have chosen to disobey the law and not respond in 3 months.By law they're suppose to respond in time, which they haven't and the items I disputed need to be DELETED ASAP. Experian you have had more than enough time and I don't want any generic response or that you will investigate in " 60 DAYS ''. You no longer have that privilege nor right since you have violated mines. PLEASE REMOVE AND DELETE EACH ACCOUNT I HAVE DISPUTED .Under federal law, you had thirty ( 30 ) days to complete your investigation. I WILL BE GOING TO THE XXXX AND FILING A LAWSUIT IF THIS ISN'T CORRECTED ASAP. I'M 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 2022-03-17
Company: Braviant Holdings, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company stopped taking automatic payments from my account and I had to manually make payments once they started sending emails stating I was behind. It will go from XXXX days, XXXX, to XXXX days. I recently paid the loan all the way up I added up the dates and how much I owed on the loan and my remaining balance to my recent payment as of a day ago and it matched. On today almost XXXX more was added to the loan and its not behind. I have all emails where I have paid and Im caught up. They have already made an extra {$1000.00} off the loan already from adding fees and working on another

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NY
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 and the fraud account it is ruining me and my families lives. I have sent over multiple documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days. How much longer must I suffer with this account its not mine and I shouldn't be penalize for it. I know you wouldn't want to suffer with a Fraud account as well. Do the right thing and help me get justice my family is depending on it to buy our house.

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