BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had Citi double cash master card ending in XXXX which was cancelled during XXXX Then a new card was issued to me ending in XXXX. I made one purchase of {$170.00} - pogo pass. Due to pandemic - it was refunded. I called Citi today - customer service was clueless in terms of where the charge will go. Finally they agreed that refund should have come into the new card but all the transactions for the old card ending in XXXX should be shown in the new card ending in XXXX. But it is not the 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 2023-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm still not sure when this account was opened, but somehow a savings account through Bank of America was opened in my name. I found out because BOA sent me a banking statement letter in the mail. Odd, I thought. I don't have a BOA account. I proceed to call and request my account be closed. You cant sir, you don't have access to that account. Excuse me? Its in my name. We cant verify that you're you. Its going to have to go through the security division first before we can do any thing.

This was almost a year ago. I've called dozens of times. Account services, Customer retention, Security division, etc. Its also really hard to just get ahold of a real person. How can a bank, of all places, allow an account to be freely opened in someone else 's name? I've called being nice and asking for them to close the account or transfer me around for hours so I can talk to the " right person '' who inevitably tells me that it'll have to go to review and they'll " get back to me. '' I've also tried being mean, making them put on their managers who are just as limp and indecisive as the peons. I've since had to put freezes on my credit accounts, making it hard for me to maneuver financially while I'm trying to remodel my home. Extra phone calls, mailing extra proof its me, spreading out even more of my personal information into the world.

This is not that big a deal when it comes to actual damage to ones life. However it is a big deal when we allow big business to walk over the people that put them there in the first place. I would like my account closed and to be rid of BOA forever. I sincerely hate their company and what they seem to stand for. I will never be a customer and would like to have NO further contact with this company. I would request a cease and desist however it would take longer to get that to comply than it would to write this letter. Thank you for taking the time to read this and appreciate any judication on the matter. 

Sincerely, XXXX 

P.S. This account that is in question has never had any money in it. There have never been any charges to me personally .... yet. And to my knowledge there has been zero account activity.

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 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
To Whom it may concern ; Bank of America has deliberately prolonged my suspicious activity claim opening & closing the claim then claim to now have to open second claim extending the 90 day timeframe to resolve the case. I am not trusting any of the supervisors @ Bank of America. Today XXXX when I opened my email a Bank of America email stated my card was being suspended and a new card is on its way. The account that previously compromised has already been closed and a new card issued and now the new card which was not requested by Bank of America according to supervisor XXXX. 
The following list below are the representatives I spoke with today. 
XXXX ; XXXX ; SUPERVISORXXXX ; CSR NEW CLAIM NUMBER ( XXXX XXXX XX/XX/XXXX ) # XXXX. 
XXXX asked for the police report number stating she had no access to the faxed in report I sent in. According to XXXX the supervisor she stated XXXX did. I did not trust this CSR for lying to me and asked XXXX what about the 1st case? XXXX opened a new case for the XXXX purchases and escalated the 1st case since it was closed. XXXX asked me many questions and being XXXX in a level that she could help. There is too many mistakes going on and no one really doing their job. The incident happened on XX/XX/XXXX and the case keeps being pushed back, closed and reopened but only when I inquire! If I did not inquire XXXX XXXX XXXX would just on the 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 monetary relief
Consumer complaint received 2023-11-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an AMEX virtual gift card on XX/XX/XXXX. I first attempted to check the card balance via their website, and have been unable to do so since receiving the card, I've tried everyday for the past 4 days. Attempts to make online purchases following their directions, ( only attempt to purchase from places that require the security code, make sure the cost of the purchase is less than the amount on the card, fill in my own name/address when asked ), has always resulted in the card being declined. I called customer service for assistance, told them their website was down, and that my attempts to make purchases at XXXX, XXXX XXXX, XXXX, and XXXX were all declined. I was told that everything was fine on their end. I asked what is the resolution for when their gift cards aren't working, I was told to continue to try using it at different retailers and at different times, and that if the problem happened again to call back. I then asked for whatever resolution would be offered at that time to be offered to me while I was on the phone, and then realized they had not resolution. Their fix was to keep getting the card declined. In fact, the call ended when I was told, 'the card is good ma'am. '' After that call, I was able to get a {$40.00} food delivery to go through. I figured I would just use the card for food deliveries, but in trying to make another purchase the following the day, the card was declined on multiple platforms, ( XXXX, XXXX and XXXX ). I tried to add the card to my XXXX and XXXX XXXX accounts, declined. I tried to purchase a XXXX XXXX XXXX so I'd actually be able to use the money, also declined. I tried to make a purchase in-store by typing in the card number, declined. At this point there is {$460.00} gifted to me that I am unable to access and I am thoroughly frustrated by their lack of customer support or even concern. Especially since a quick XXXX search shows that many others have found themselves with a useless AMEX gift card. They need to do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account.

Company Name : XXXX XXXX, the account was last updated in the sum of {$0.00} on XX/XX/2021. 
Company Name : XXXX XXXX XXXX  ( original Creditor XXXXXXXX XXXX ), the account was last updated in the sum of {$540.00} on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I'm a XXXX XXXX  and have submitted enrollment verification, as confirmed by my XXXX, as early as XX/XX/17. Nelnet has contacted me through automated means multiple times since then regarding repayment. I have reached out to them via email four times and made several calls ; for one of them I was on hold for an hour with no result. No one has gotten back to me and I'm still being harassed for collection.

Beyond this administrative oversight, which has disrupted my daily life, Nelnet should have been exactly as prepared for repayment logistics as it expects its borrowers to be, if not moreso, and the fact that they're so unreachable, especially right now, is negligent and irresponsible enough to seem intentional. I can not plan my days around being on hold for six hours.

Cursory research implies professionally weaponized incompetence and refusal to connect with clients is an exceedingly common complaint. It is not a minority opinion that student loans are a predatory institution and this is making it so much worse it's almost impressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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 follow-up endeavor to inform you that I am a victim of Identity Theft, The items I am challenging do not affiliate with or have a transaction with me. Please block the items that are erroneous in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} The addresses stated above are not my home address, the accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete the items at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a small personal loan with Possible Finance over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan. 
Upon checking my credit report, I found that Possible finance reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment. 
I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days. 
Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate. 
My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong. 
Report my account as current, and remove the late payments from my payment history!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX began calling me on XX/XX/XXXX demanding that I pay a debt that has already been resolved as not mine by 2 previous collectors. Now they purchased it and are using aggressive tactics to collect.

I have recordings of the following calls : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX I have never been to " XXXX XXXX '' and on the day in question XX/XX/XXXX I was XXXX in the XXXX XXXX XXXX. 
In XXXX XXXX XXXX XXXX XXXX tried to collect this debt. I explained the same to them and never heard from them again. 
In XXXXXXXX XXXX XXXX this debt appeared on my credit report. I was buying a car at the time and it cause me to pay an extra 2 % interest on the loan. I contacted the reporter who was NOT this company and they immediately removed it from my credit report. 
Now this company is trying to collect the same debt. This is not my debt and there is no possible way that I could have incurred this debt. 
I very clearly disputed the debt on the phone with their collector and I have recordings of the calls. Nevertheless they have placed this collection on my credit report as of XX/XX/XXXX as a {$1300.00} collection. 
They called more than the times listed above those are the only ones I was able to record. 
I requested they send me proof of the debt and they have failed to do so. They sent me a one page letter only showing : Original Creditor : PENDRICK CAPITAL PARTNERS, XXXX Current Creditor. 
XXXX XXXXXXXX XXXX XXXX On the back is says again XXXX XXXXXXXX XXXX XXXX gives a date on XX/XX/XXXX ( still I was in the jail ) but no proof that I signed for this account or agreed to pay any amount. 

The failure to provide original proof of the debt is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions 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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already resolved this issue from around 2017 after getting the Illinois Attorney General involved ( Ref # : XXXX ) and it was determined that I don't owe XXXX  anything. Now, Southwest Credit Systems is attempting to collect this old debt by calling me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope these disputed account are updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: VA
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 filed a dispute on my student loans ( XXXX ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called XXXX they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from XXXX that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/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 explanation