BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a secured card with Citibank with a {$200.00} deposit ( therefore, a {$200.00} limit. ) I set up auto-pay in their app to pay the full balance on the first of every month. For XXXX bill ( due XX/XX/XXXX ) I paid a custom amount of {$75.00}, other than that, I have had it set for pay full balance. 

XX/XX/XXXX both Citibank and XXXX ( my checking/savings account ) notified me that my payment had posted. 

XX/XX/XXXX I go to use the card on my lunch break, card is declined. I check online, says I have a balance of XXXX dollars but also a credit limit of XXXX dollars. Again, it is a secured card, so with no balance I should have my full credit limit of {$200.00} which is MY money, Im just letting them hold it. I reach out to a rep, but get a bot. The bot is not helpful but assured me that a live rep will be there shortly. I need to go back to work, so I detail a message to the rep, Hello, I am curious as to why I have a balance of XXXX and yet a limit of XXXX on a secured card. The payment posted at XXXX XXXX and it is XXXX on XXXX, I would like this resolved immediately OR I would like the account closed and my deposit refunded into my checking account immediately. These are our only two options moving forward. 

XXXX No response, no resolution. 

XXXX No response, no resolution, so I reach out again. After going a few rounds with the bot, I reach XXXX. She informs me that my payment was suspicious so they froze my account and it will be unfrozen on XX/XX/XXXX. I tell her that this is unacceptable, that the payment is from the checking account used to set up the CC account and it is the same account that every auto-payment has come from. I am told the payment was too high so it was suspicious, and again, all I did was click the option ON THEIR APP that allows one to pay the full balance. I tell XXXX that it appears that they are punishing me for paying the full balance and want me to accrue interest, and that I consider them withholding my own money from me to be theft. I then said it appears my only option is to close the account and to receive my deposit ASAP. She says she understands, but I wont get the deposit until XX/XX/XXXX as well. I closed the account but I am furious. I opened this account to rebuild my credit after Covid destroyed me financially, and now I have no credit card and I am out {$200.00} because I have zero faith they will actually pay it back after reading countless complaints and horror stories from other consumers who were ripped off by Citibank.

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 2018-12-10
Company: National Credit Systems,Inc.
State: NC
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:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the NATIONAL CREDIT SYSTEM a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act. 

The only resolution is to remove this fraudulent account removed from my XXXX immediately which is in direct violation of the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my rent have been paid in full. If this is not removed within 30 days, I intend to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2012 there is a claim for {$120.00} for XXXX XXXX XXXX from First Fed Credit that I have no knowledge about. I have no recollection of receiving services from such an entity. 

On XX/XX/2012, another claim for {$81.00} is entered on my credit report for the same companies. Again no knowledge is represented about any of these companies. 

On XX/XX/2012, another entry from the same entities. No knowledge represented for either company. Don't know who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: GA
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 account does not belong to me. This is Fraud

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 2018-11-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried for years to get help with both private and federal loans through my server, Navient. Navient has fail for over 5 1/2 years to work with a payment that I can afford. I was repeately given option to put loans ( they served both private and federal ) in forbearance so times over the last 4-5 years that the principal continue to grow. Each time my loans came out of forbearance, I would call and ask for help because there was no possible way to pay them over 500/mo. I pleased with them, each time, explaining that my financial income was not projected to increase. They knew conitnuing to put me in another forbearance would only allow for my loans to grow without the projection I would be able to pay when it ended. Many times I explained that if you could just lower my payment to around $ 100/mo could avoid forbearance and at least be moving in the right direction. They refused that offer or ablity to work with around $ 100/mo. They said the lowest they could lower my payment was from approx. {$430.00} to {$180.00}. Once again both the person assigned to my Navient Loan account and I, discussed If I paid even the latter amount, the income to outflow work sheet they used to " lower my payment '' ( which half risen due to continual forberance ) showed very clearly that I would be paying way more than bringing in. Might I add, my pay each month is consumed by rent, electric, utilities, and tv ; leaving just enough to buy food, personal hygiene items, transportation, and necessities for my children. No credit card, personal loan, or other debt. Once my forbearance time had been exhuasted, I was told Navient had no other ways or options to assist me in aggreeing on affordable payment or program. My assigned Navient account officer gave me the following advice ... She advised me to try to toggle payments between my two loans they served. She continued to explain that my best option was to pay one loan ( approx {$100.00} ) per month and then skip that one and pay $ 150- $ 200/mo on the other loan the next month. She said at least it will buy you some time so your loans do not default. With great disappointment and 0 options left, I tried to toggle my payments but # 1 I was stuggling severely and # 2 I was still delinquent in the latter loan. Now both loans are in default. Until XX/XX/2018 my net income was approx $ 1400/mo and as of XX/XX/2018 my net income is approx $ XXXX/mo. My house hold is 4 with no other income. My husband has been in SSI and XXXX limbo for going on 2 1/2 years and both children receive state aide. Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, 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 would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : XXXX, XXXX, and Equifax. They still have not answered my request. The information on my report must come off asap ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I told them I did not understand or authorize, or know about any of the listed inquiries they did not help theyre violating my rights by law as a consumer 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: MOHELA
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21 and XX/XX/21 I had XXXX taken out of my account. And XXXX a month since then for a student loan. It has not been going to be student loan account. 

I have contacted the US Department of Education/Mohela , where my loan is through. And I have contacted my bank account to have them put a hold on my account. 


Is there any way I can try and get some of my money back? Because it has not been going to my student loan. 

Please let me know. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CURO Intermediate Holdings
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:
XXXX XXXX notified me of an inquiry on my XXXX  credit report. When I contacted XXXX  on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access. 

I had informed XXXX that I never authorized a credit report " pull '' to Curo XXXX XXXX, ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me. 

XXXX  has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers. 

I have also contacted Curo XXXX XXXX  but there is no way to get a hold of a human being so I left a message. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2018-10-10
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Issues with Discover Price Protection Claim. 

I purchased a TV on XX/XX/XXXX for {$1300.00} using Discover Credit card with an online retailer. 
I noticed the same item was on sale on XX/XX/XXXX for {$1100.00} through a different online retailer. Rather than returning and re-buying, I decided to use the Price Protection benefit  offered by Discover Credit card for the difference in the prices which is {$250.00}. 
For this claim I submitted the following documents as requested by the Discover Benefits XXXX following all directions correctly. 
1. The Sale receipt showing the price I paid ( {$1300.00} ). 
2. Credit Card Statement from Credit Card showing that I used their card for purchase.

3. Lower-Price Ad ( Screen shot or scanned copy of advertisement showing the lower price ) - I submitted the screen shot showing the date that the item sale price.

I have 90 days to submit the claim. I submitted within the first month all the above. Now the Discover Benefits center is not processing my claim telling that items are missing. 
They sent an email saying this, " We were unable to verify the advertised sale price. Please submit verification of the sale price. The verification may be a written statement from the store manager on store letterhead, email, or chat session including item number, description, date, lower price and contact number '' If they required such things to process their Price Protection claim they should have mentioned these list in the first place. In terms and conditions they have not mentioned the requirement of any of these.

Now dating back I am not able to get the online vendor to verify the price for me. There is no use for me to resubmit the Price Protection with the same or different vendor as the prices have gone back up to {$1300.00}.

Although this Price protection feature is going to be discontinued from XX/XX/XXXX, I will be very reluctant to use any of the benefits that a credit card claims. 

Talking to the Discover Benefits center customer service or manager did not help as they keep repeating the same thing that they could not verify the price that I claim as they do not trust the screen shot from my computer. In that case they should not have the ask for screen shot to process the claim if you do not trust it. I am extremely unhappy about the way Discover is handling price protection claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: NJ
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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2018-11-15
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Contacted by Keith D Wiener & Assoc via mail on XX/XX/2018. I researched them and determined I do not owe this agency any money. A verification of debt was sent certified mail via usps on XX/XX/18, to date it is pending pick up ( tracking # XXXX ). On XX/XX/18 @ XXXX XXXX  I received a phone call from someone claiming to be from the county court as a process server from XXXX saying that they are trying to serve me papers to an address of XXXX XXXX XXXX ( not my address ). When asked who it was from and who they represented I was told that he can't release that information and I need to be home to be served. He then told me that if I don't get the papers it will be a failed attempt and it could result in further action against me. At that moment I felt I needed to end the call. After doing some digging I found a judgment online in my name from this agency. 

I reached out to Keith D Wiener & Assoc to find out what was going on and spoke with a XXXX XXXX. After trying to set up arrangements he told me that what I wanted to pay was not enough and I would need to send in pay stubs and they will determine the payment amount. I explained that if it was more that I stated then I wouldn't be able to pay. XXXX explained that they would not accept {$50.00} a month payments that they would just " file a judgment '' and garnish my wages. I explained that I want to pay the original of {$1200.00} amount and not the inflated amount of {$1600.00} which included their fees, again I was denied. 

I then asked for my login information to view my case on their website and was denied that information. At that point I wanted to speak with a supervisor. I called back and was transferred to XXXX XXXX the supervisor, I left a voice message and have not received a response. 

I did some research of my own and found that I have a court appearance in XXXX for this matter that I tried to resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 to the FCRA my right have been violated under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave, OR the listed creditor any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices Account name 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