BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My previous CFPB complaint was closed after believing the business response from Citibank but it was false and I do not have the check they said was mailed. I also did not receive my cash rewards totaling at least XXXX dollars. This has been going on for months.I called Citibank executive office today and they refused to get me a manager or cal XXXX  regarding check or even try to see if check exists. This is because they probably didnt mail it. I want my checking account closed and a check overnighted with signature reguired upon delivery.

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 2021-08-30
Company: EQUIFAX, INC.
State: CA
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:
Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I am writing to formally request the cessation of reporting a late payment on my credit report. The late payment is associated with XXXX XXXX XXXX XXXX XXXX XXXX, an account I no longer have with the company, and I believe it is necessary to address the impact it has on my credit history, especially considering the challenges faced by everyone during and after the pandemic. 

To provide context, I want to emphasize that the late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain responsible financial habits. Unfortunately, the lingering presence of this late payment has had a lasting impact on my creditworthiness and financial opportunities. 

Furthermore, the circumstances surrounding the pandemic have posed significant challenges for individuals across the country and around the world. The economic repercussions and financial hardships experienced by many during this period have been unprecedented. In light of these challenges, it is crucial for credit reporting agencies to exercise flexibility and understanding regarding negative entries on credit reports, especially those stemming from years ago. 

Considering the aforementioned points, I kindly request your assistance in ceasing the reporting of this late payment on my credit report. I no longer have an account with the company associated with the late payment, and its continued presence on my credit report creates an unfair representation of my current financial status and efforts to rebuild. 

I kindly ask that you review this matter with consideration for the hardships faced by individuals during and after the pandemic, and the impact it has had on their financial well-being. I believe it is essential to provide individuals with the opportunity to recover from such setbacks and regain financial stability without being hindered by dated negative entries on their credit reports. 

I kindly request that you provide me with a written confirmation once the necessary actions have been taken to cease reporting this late payment. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this issue and ensuring the accuracy of my credit profile. 

Thank you for your understanding and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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 information incorrect

Complaint:
I disputed the errors on my credit report because the bureaus are reporting inaccurate information, that is affecting my credit score.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I asked for verification and they did send a print out of the account but the dates reported on my credit report and on the account review were inaccurate. I have disputed this account numerous times for inaccuracies. The FCRA states that the credit reporting agency and the creditor has the burden of proof ; and that by law they must report accurately. I have given both the creditor and reporting agencies ample time to fix the inaccuracies and have been given the run around and ignored.

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 2023-05-24
Company: Bread Financial 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: Information belongs to someone else

Complaint:
The Bank and the credit report agencies are INACCURATELY REPORTING the following account : COMENITYCAPITALBANK/ULTA # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Security Credit Services, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few months ago, I received a call from my bank asking me if I made a purchase of {$680.00}. I never use that card s they flagged it. I told them not I'm still not using this card right now. My bank XXXX XXXX blocked the transaction. I thought it was over, however 30 days later I seen a collection on my XXXX account for the same amount. So, I looked into it. The company is called XXXX XXXX XXXX. I give them a call and they looked up this account they told me someone brought a phone in New York and sent it to an address in New York. I've never lived in New York. they also said the email did not match. XXXX XXXX XXXX told me they would look into it. Next, I called the company XXXX XXXX XXXX sold this debt to which is SECURITY CREDIT SERVICES, I asked to speak to a supervisor. The woman on the phone refused to let me speak to anyone besides her. So, I believe this company might be shady as well. I then called XXXX to file a dispute. After doing all this I've locked my credit report. But I need these false collections removed because it's hurting my score. I'm not sure what more I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 recently tried to purchase my firs-time home buyer and I came across my credit report and I realized that I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report it is a defamation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: The Law Office of Edwin B. Parry
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the Law Office of edwin perry. This letter said I owed a debt and so I called the office to figure out what this was about. I recieved this letter XX/XX/2021 XXXX I spoke to a XXXX ( something like that ) and told him that the debt wasn't mine on XX/XX/2021. I needed proof so I could look at it. XXXX asked me a bunch of times if I was an attorney and than transferred me to the voice mail of Mr. XXXX. On the message to Mr. XXXX, I told him that it wasn't me and that I would like proof of debt so I could clear it up. He has not responded. 
I received a call from an " attorney '' named XXXX on XX/XX/2021. I told him that I would like proof about the debt since it wasn't me. I am not from the State of Utah so I asked Mr. XXXX if he could supply me with proof. He than told me that he couldn't give me legal advice, he said this a bunch of times. After not supplying me with any information, Mr. XXXX " attorney '' told me that he was going to take me to court. 

I believe the tactics used by the Law Office of edwin b perry, is meant to oppress and take advantage of people just to make money. I would look into this office and make sure their so called " attorneys '' are actually that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ACIMA CREDIT, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed a lease to purchase agreement for standard tires for a common US sedan. 
I never took possession of tires made. I explained to the vendor that I wanted to cancel due to poor customer service. And a feeling of safety concerns in his business. 
I also explained to XXXX ( the finance company ) the same issue. There were two conference calls between myself the vendor and the finance company. The Vendor refused to return funds to the finance company even though I never took possession of the tires. During the second call the vendor was very belligerent and disrespectful to both me and the finance company. I did request the company save that recorded call. 
I can't be held to a lease agreement or at least to purchase agreement if I never took possession of the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Called on XX/XX/22 to follow-up on the California Mortgage Relief Program . California sent a request for services information. I was treated very rudely by XXXX. I attempted to call the office of the customer and my POC was unavailable. I called to find out why the state is still waiting on information. I was told by XXXX that the state isnt sending everything. I asked why else they need from me and she stated getting adversarial towards me. She even sighed and said she was sick and tired of explaining things to me. I asked her can she please tell me what else is needed for the state. She got angry and started yelling at me. I then asked for a supervisor. I was transferred to XXXX # XXXX who was acting very condescending. Was continuously asking me if I was treating me fairly without answering my question. He then finally stated that LoanCare has note responded. LoanCare continuously withholds information for mortgage relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We got behind on our mortgage, due to refinancing and taking equity out as we was part of the housing crash back in XX/XX/XXXX-XX/XX/XXXX. as we proceeded to get some help. Select Portfolio came along and told us they can help with saving our home and that they work for the government.We asked them how much it was going to cost us, they said nothing they can lower our cost. We went through the NCNA program to obtain this lender. As we begin to try and pay down our mortgage we notice that, their was another mortgage attach on our current but when we look at the current mortgage it does not show t second mortgage which is a balloon payment. They have pretty much placed us in a worst situation than we were. They did not forgive they loan at all when we started over. I do not think that is how the government would have handled it if they so-called work with the government. We have try all resources that we know of to get out of the situation. Don't know what else to do.These companies hid behind third parties and we do not know who own the loan considering we make payment to Select Portfolio and we find out we are STILL with XXXX XXXX XXXX who gave us out first refinance and they mess us over w are still shock we're with XXXX XXXX XXXX again. Then we come to find out XXXX XXXX own XXXX XXXX and we were not trying to get involve with neither one of these financial institute. It's just wrong and such a mess before our mess. Now that we get more into the contract. It looks like when we refinanced to take equity out with XXXX XXXX and we got behind in out mortgage. XXXX XXXX cam at use again but hiding behind the name of Select Portfolio Servicing. We were thinking we had done stop doing business with XXXX XXXX but we are still with them. We did not know what Select Portfolio is, so we though we was no longer with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: MI
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 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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-12-09
Company: Experian Information Solutions 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:
Due to the XXXX data breach, I was informed and have verified my info was used fraudulantly. 
I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX XXXX a business building and XXXX XXXX XXXX XXXX XXXX, ND is a XXXX XXXX according to XXXX maps. 
I was told by EXperian they don't do investigations and wouldn't help. 
15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. 
I believe my rights have been violated. 
I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. 
I have enclosed my FTC ID Theft Affidavit along with my XXXX settlemnt Claim # for proof. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. 
But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted

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 2023-06-16
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX XXXX a victim of cyber crime .My MASTERCARD NETSPEND CARD was used while i have it in pocket last night at XXXX XXXX XXXXXX/XX/XXXX. It was used in XXXX XXXX XXXX XXXX XXXX XXXX at that moment i was in XXXX even never ever been in XXXX. XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Last night my card was used in that ATM while i have it in my pocket and still have it. Next day wake up as usual to go to work, found on way can not pay TAXI DRIVER. VERY HURTFUL. 

I called NETSPEND XXXX XXXX CLOSED WAIT UNTIL XXXX XXXX THEY ANSWERED. 
Explained what happened to NETSPEND customer service representative. She told me to call ATM OWNER. I call XXXX XXXX XXXX XXXX XXXX transfered to headquater no help. THEY TOLD ME CALL YOUR BANK NETSPEND TO RESOLVE YOUR ISSUES. 

I filed online dispute on netspent website then called customer Represantive, she told me you will need to sign and send to us. They just dismissed all i said. 

TWO YEARS AGO I LOST AGAIN OVER {$1000.00} AFTER MY CARD WAS STOLEN THEY NEVER HELPED. THIS TIME I IGNORED AS IT WAS PHYSICAL CARD THIS TIME IS CYBER CRIME FROM CYBER THUGS MY CARD IN POCKET. NO HELP AT ALL. 

Later spoke called after waiting on hold forever, customer REPRESANTIVE TOLD ME NOTHING CAN BE DONE UNTIL XX/XX/2023. 
NO CONSUMER PRTECTION WHEN MONEY IS DEPOSITED. VERY ARROGANT AND POOR CUSTOMER SERVICE.

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 2023-07-18
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief