BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: Chime Financial Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Name and social are different. I cant access any account. May have been victim of data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a correspondence from this company  (  Transworld Systems Inc  )  dated  XX/XX/XXXX , that stated they will make a request to have this account/item removed from my credit file. As  X/XX/XXXX , this has not happened. On  X/XX/XXXX  I filed a complaint with the CFPB case number  XXXX  and the company responded stating that they have requested to have the item deleted from credit file. The account on these correspondences is  XXXX . They continue to report this item/account to the credit bureau  ( s )  with an account number as  XXXX . On   XXXX   I sent another correspondence to this company, which they received on   XXXX   per  XXXX  tracking. As of  X/XX/XXXX  I have received no reply or correspondence from this company, but they continue to report to the credit bureau  ( s  ). The company also sent me a copy of a promissory note. In my correspondence I requested the original wet ink signature document as the copy may be a forgery.      1.  What is the alleged account number  XXXX  or  XXXX ? The company reports with both of these numbers. On the letters received it is listed as  XXXX , but on credit report as  XXXX .    2.  Why is the company using  XXXX  different account numbers? Seems to be unlawful and fraudulent activity.    3.  Can the company provided the original wet ink signature document  ( pr omissory note )?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: LA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On  XXXX  I received a phone call from a collector at  Wells Fargo  regarding my account that was past due. I told the collector I paid a small portion ( what I could afford ) over the weekend and she said " yes, but your account still has  XXXX  dollars that 's past due. She repeatedly tried to schedule a payment and I told her I would pay when I had the money to. She pressed again and again, and when I caved and told her a date, she started pressing about scheduling ANOTHER payment after that  XXXX . I told her I was uninterested and that I 'm going through some financial hardship right now and asked what my options would be. She did not answer my question, and continued to ask why I would n't just let her schedule the payments. I told her because I could n't guarantee the funds in the account trying to pay the balance. I eventually hung up on her because she was insistent and I was just outside, enjoying the evening, pushing my son on his tree swing.

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 2023-10-24
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
-received email communication on XX/XX/2023 for {$2800.00} -received additional email communication on XX/XX/2023 for {$2800.00} - sent debt dispute on XX/XX/2023 requesting all documentation and a ledger that reflects all charges through time. Requested no further communication through email and all correspondence through USPS, informed them that my consent was never given - received additional email communication on XX/XX/2023 for {$2800.00} - received additional email communication on XX/XX/2023 for {$2800.00} - called XX/XX/XXXX to remind them I had disputed and need the documents. Was informed they were attached to XX/XX/XXXX correspondence. Its not a ledger, but a list of charges with no dates or information. Was told they would not respond via USPS and they were treating it as a cease and desist since I refused email and thats the only correspondence they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Lamont, Hanley & Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, XX/XX/2023, i recieved 4 phone calls from Lamont, Hanley, and Associates XXXX. Received XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( on my work phone ), and again at XXXX XXXX on my cell phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX, XXXX, Experian Account # XXXX has violated my rights on XX/XX/XXXX for {$4900.00}. Experian and XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$17000.00}. 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 cant and should not furnish an account without my written instruction so therefore I need these accounts removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: KS
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Identity theft this account was open by whom I had no authorization of this account. I XXXX XXXX am filing a identity theft report on the account with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I paid off a credit card with XXXX XXXX. It was never updated on my credit report. On XX/XX/2023, I paid off a revolving credit account, it was not updated on any of my credit reports. Interestingly enough, credit increases are reported immediately but credit decreases take upwards of 30 days to update. 

Also, all three of the credit reporting agencies ( XXXX XXXX, XXXX and Equifax ) report very different credit scores for me, as does XXXX XXXX. I had to contact all three credit reporting agencies as well as XXXX XXXX to update my scores. They are not updated. The house I am renting is going on the market. I need to continue to repair my credit so I can rent a new apartment or find a lender who will approve me for a mortgage. I'm tired of waiting three months for credit reporting agencies to reflect positive changes on my credit report and the hours I need to spend on the phone just to have an accurate reflection of my credit rating. I'm doing my best after major XXXX and a global pandemic. Credit reporting agencies need to do better and stop discriminating against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I reached out to Experian, XXXX, and XXXX about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely 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 2023-08-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was just looking over my credit report and found some addresses that still appear to be incorrect. I have the right to have an accurate report. I've enclosed documentation providing proof of my current address, as instructed to do on your website. I have tried to get it corrected before and still nothing has been done. Heres a list of the incorrect addresses that I am currently seeing listed below, 1 ) XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX There should only be one address on my report, that is : XXXX XXXX XXXX XXXX, Ga XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.

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 2017-05-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out a private loan with   XXXX   XXXX   /  Navient  in  XXXX , it totaled to {$3900.00}. I attempted to arrange a payment arrangement with them, as I have a federal loan that now totals  XXXX . They would not work with me unless I paid them the money they requested, I remember trying to make a {$50.00} payment because that was all I had and they would n't accept it. I could not make large payments to them and pay for my federal loans. It ultimately went into collections.     It appeared that I would have better luck with them, although they told me the amount was around {$6300.00}, which was far more then the initial amount. They asked for a lump sum amount to bring it current. I was willing to do that at the time, I made  two  payments of {$500.00} (  XX/XX/XXXX    and  XX/XX/XXXX    ). Which I thought brought the balance down to {$5300.00}. I have been making payments towards this debt since   XXXX  . In total I have paid {$1800.00} towards this debt  (  {$1900.00} on   XX/XX/XXXX   its automatic withdraw ).     I have been trying to improve my  credit score , so I recently ran my  credit score  and saw that the debt was not as low as I thought it was. When I realized this I contacted the agency, only to find the debt had been given to another company. I was never notified or contacted about the changes and they are claiming I owe {$6000.00}. They told me I needed to contact Navient about the debt being on my credit report and the amount that the loan was. I called  Navient  and they told me that I need to contact the  credit collections  agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ENCORE CAPITAL GROUP 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:
I have asked for debt validation from Midland Funding for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information also from Experian in addition to other proof of claims that have yet to be answered thoroughly. Neither have provided through information and I have certified mail receipts request with failure to follow through and return my receipt required tracking. Midland Funding has not send me the following information I requested : alleged account number,, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Midland Funding and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer had 30 days and my previous request of 10 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day and previous request of 10 day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Midland Funding violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.

In addition to this Midland Fund is what is reporting on my credit report but Midland Credit Management is who is responding with partial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NC
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 XXXX Account XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, and XXXX XXXX # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am writing this letter to file a formal complaint against Citibank for failing to honor a promised account opening bonus of {$300.00} despite having fulfilled all the required conditions as per the terms of their offer. 

On XX/XX/XXXX, I opened a Citibank Accelerating High-Yield Savings account after being presented with an offer in the customized 'Citi Offers For You ' section of my existing Citi account. The offer promised a {$300.00} bonus if I deposited {$30000.00} within 20 days of opening the account and maintained it for three months. 

Upon confirming the details and timeline of this promotion with a Citi representative via online chat, I deposited the amount of {$30000.00} on XX/XX/XXXX. I was assured by the representative that if I maintained this deposit until XX/XX/XXXX, the bonus would be posted to my account within 90 days of the completion date. 

Despite fulfilling these conditions and receiving assurances from several Citi representatives during online chats on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the promised bonus was never credited to my account. To my disappointment, I received a letter from Citi on XX/XX/XXXX, stating that my account does not qualify for the promotion because it is a Basic Account package. 

This contradiction is both confusing and unjust. The offer was displayed in my customized 'Citi XXXX For You ' section, leading me to believe I was eligible for the promotion. Feeling cheated by this disconcerting turn of events, I closed my Citi checking and savings accounts on XX/XX/XXXX. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter, as I believe I have been unfairly treated. I have fulfilled the conditions of the promotion and am entitled to the {$300.00} bonus, which I am yet to receive.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: PA
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:
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 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