BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My name is XXXX XXXX. I currently have loans in repayment with FedLoan. I only bring home {$3400.00} each month. My household consists of my husband and my son. My husband has not worked since XXXX and can not work due to his condition. He has XXXX XXXX XXXX XXXX and is in and out of hospitals and requires several medications to try to keep his illness under control and avoid further progression. I am also a XXXX with multiple health issues including XXXX, XXXX, and XXXX XXXX XXXX. My youngest is a full time student and does not work. From my paycheck, I pay the following : Credit card debt approximately {$25000.00} ( I have had no choice but to use my cards to pay bills, medical appointments, medications ) Rent {$1100.00}, Transportation for myself for work and my son for school. {$600.00}, XXXX $ XXXX, XXXX {$200.00}, XXXX {$190.00}, Medical bills total owed so far in deductibles and copays {$5000.00}, food $ XXXX, medications XXXX Fedloan is requesting me to pay {$570.00} with the first payment due on XX/XX/XXXX. I contacted Fedloan today ( XX/XX/XXXX ) and spoke with XXXX who indicated that I could not change the amount I had to pay. There is no way I can pay this amount per month as you can see what my income has become. It would leave me with no resources for any emergent care my husband would require. Mind you, that the monthly payments listed does not include the credit cards. As indicated before, I have been using the cards to pay for certain bills. I am not saying I do not want to pay. However, I feel that I can reasonably pay the {$250.00} which is what I was paying previously. XXXX indicated that this is the minimum because it is a parent plus loan and I dont qualify for any other plans. However, this is basically setting me up for defaulting, would affect my sons education and our livelihood. This in turn can lead to my ending up homeless if I cant pay my rent. My rent goes up every year. I really need assistance. I want to pay but I can only pay what is within my means. I can be reached at XXXX. I thank you in advance for your assistance. <P/>FedLoan Account number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 Account Balance : {$11000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my phone was stolen along with my Chime debit card on the city bus on my way home from working out at my college gym. An unauthorized transaction of {$2100.00} was made. I called support over the phone and reported the issue. Connected with an agent, and I was assured my card was canceled and that I should upload supporting documents now or while the investigation was happening. Needing my phone immediately I filed a device replacement ( over another phone since I couldn't log into my XXXX XXXX account due to two-factor authentication needing a code sent to my mobile number that was stolen ) through my phone company since I had a T-Mobile device protection plan. My claim was handled by XXXX, filed, and approved I paid a {$100.00} deduction. The next day XX/XX/2023 I received an email from Chime Dispute Team in writing stating Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. That same day I received the email decision charges on the same card they said they canceled authorized charges. Disagreeing with the decision to not refund the charge and also concerned with the activity of charges on cancelled card I contacted support and opened a rebuttal, support checked and found the card was indeed still active only then was it canceled and a new card was ordered. The investigation on the rebuttal came back XXXX days later sticking with the same decision. Finally receiving my phone in the mail and able to access XXXX I opened a third rebuttal on XX/XX/2023 and included the confirmation email and pdf letter from my phone replacement device claim with XXXX to the Chime Dispute Team. After a third review the same decision. I called support one last time and they said hang tight and look out in my email and mailbox essentially documentation in details on their decision. I received the email XX/XX/XXXX but no attached documentation ( I share screenshots of the email ) to go along with their decision nor physical mail in my mailbox as of today XX/XX/2023. I called support yesterday XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I got a call from XXXX and XXXX I believe in XXXX from a very rude guy name XXXX regarding some alleged debt with a credit card from American Express. He wasnt able to prove to me that I owe this debt by proving an original contract or anything showing this debt was mine. He proceeds to tell me that he sent a wage garnishment to my employer which was an old employer and all this was sent without my knowledge. I wasnt concerned being that I didnt work with the company he said he sent he garnishment too and I didnt owe this debt. XXXX then says thats fine and he continues to push and tell me that I needed to pay {$350.00} on this debt or my wages would be garnished with my new employer. I state to him I dont owe anything why would I pay. He goes on and on saying what will happen so me I give in without knowing my rights and made this payment of {$350.00} to avoid my wages being garnished while I dispute the account with American Express being that this isnt my debt. Even though I made that payment in XXXX, XXXX and XXXX still sent a wage garnishment to my new employer and my wages are being garnished. I feel that this was very wrong of them and they have gotten over on me and no telling how many other people they are lying too in order to collect money. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: IL
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 disputed unauthorized inquiries on credit report on  XXXX / XXXX /   2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I opened an XXXXXXXX XXXX XXXX  credit card. The lending company for this card was XXXX XXXX XXXX. The consultant 's name at XXXXXXXX XXXX was XXXX XXXX. During my consultation with XXXX, I was told the procedure would cost {$4800.00} and under the promotional credit plan, I would not accrue interest for the life of the loan. If however, I was late with a minimum payment, she stated I would begin to accrue interest at that time. The only documentation I got from her was a copy of my credit application. 

From XX/XX/XXXX to XX/XX/XXXX, I faithfully made " on time payments '', always over the minimum amount due, and made sure I wasn't late as to avoid interest charges. However, on XX/XX/XXXX I was charged accrued interest in the amount of {$1600.00}. I called XXXX XXXX to inquire as to why I have this charge and was told I didn't pay off my promotional plan by it's due date and that they had closed all accounts related to XXXX XXXX ( reasons which could not be discussed with me ). Because I did not have anything in writing from XXXX XXXX, I had no proof of our verbal conservation. At that time I reviewed my online statements and credit agreement to find in tiny writing that I needed to pay entire balance by XX/XX/XXXX. During XX/XX/XXXX, I paid off my account in full with the exception of more additional interest charges after my statement date. In XX/XX/XXXX my balance was {$51.00} which I paid in full on XX/XX/XXXX, a day late, and was charged {$29.00} late fee. I again called XXXX to inquire about a late fee on a XXXX balance and was told since the account " XXXXXXXX XXXX '' is closed they can't reverse the charge. I am someone who is meticulous in paying bills and has never been previously late on a payment with XXXX but somehow they don't see it appropriate to waive this charge and would not help to resolve the accrued interest problem. This is poor business etiquette and unfair to an unsuspecting consumer. I would not & will not ever recommend this bank to any of my friends or family. I have other credit cards that have a promotional ending date but each time I go to make a payment, I'm clearly alerted of my promotional end date. Can this be something XXXX XXXX  can add to their lending practice? Can XXXX change a policy that would give a 3 day grace period to make a late payment? Can they routinely send alerts to customers of changes in an agreement? Just a few suggestions for improvement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing our credit rating on XX/XX/XXXXwhich has been excellent we noticed a negative entry which was unknown to us. A small amount of money was supposedly owed to Macy 's which we had no knowledge of. This debt allegedly occurred possibly in XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX???!. We do n't even have a Macy 's credit card. We contacted Macy 's and they referred us to the Credit Card company .... as well as their loss protection/fraud department. Telephone calls have continued to be placed to the credit card company as well as the Fraud Dept despite a collection agency assuming the money owed. The amount went from under {$50.00} up to over {$300.00} and we 've continued to receive letters demanding payment. I 've sent certified letters to the Fraud Division, Macy 's CEO as well as the collection agency demanding proof of the money owed. They keep asking for credit card numbers and we have NONE. Recently the collection agency told me the account was referred back to Macy 's. A week later we received another demand letter. We have spent over {$45.00} in certified mailings and this thing continues. Had I not asked questions regarding the negative entry on the credit score who knows where this would be.
Please stop this harassment.

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 2021-07-13
Company: EQUIFAX, INC.
State: DC
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 Open Date : XX/XX/XXXX Balance : {$9000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update this ASAP. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and BXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$260.00} XXXX XXXXXXXX, XXXX {$840.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fair Collections and Out is attempting to collect XXXX from me from XXXX XXXX XXXX, a place I have never lived. I have disputed this to no avail, asking what method of verification was used to identify my original signature and a signed lease in my name. No written notification or bill was sent to the address in which I live before placing said debt against my credit.

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 2023-01-25
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a call from payment   XXXX   XXXX   stating that I owed a debt on behalf of my bank. They advised me even though my bank account has been closed and I was never made aware of any debt by my bank before I closed my account I still needed to pay them

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I usually check my account every night ti see how is everything on a Saturday night looking over my account and noticed that someone did a XXXX dollars withdrawal from a ATM in Florida next day in the morning a call Wells Fargo to let them know that I noticed the withdrawal and that it wasnt me since my home residency is in California they canceled my ATM card but unfortunately they didnt do anything about the withdrawal the next day I call the fraud department to filled a complaint about the XXXX dollars incident and told me I had to wait XXXX business day to investigate days later I call them to see the status of my case and the representative told me that my case was close and they couldnt find any XXXX I opened a new case I went to the bank made a second investigation with the same outcome they say Im sorry whoever make the withdrawal has all your information and theres nothing we can do about it

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 2023-06-23
Company: Velocity Portfolio Group
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:
The collection was paid and the company was supposed to remove the collection from. All credit reports I have spoken with them and nothing has yet to be updated. And this is costing me financially and also hindering me from obtaining any lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called   XXXX   and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called Transunion and  XXXX  they are not wanting to comply. I have inquiries from  XXXX   XXXX  that I have no knowledge of multiple times in  one  day.

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