BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXXXXXX Balance : {$380.00}

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 non-monetary relief
Consumer complaint received 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Bank of America credit card was closed without notice despite having a XXXX  balance and being a customer of Bank of America for over ten years. I was sent a letter on XX/XX/2020 for the basis of the account closure. 

Some of the basis for the account closure stated in the letter are completely inaccurate and wrong and based on incorrect information. 

Having an account closure without notice has severely affected my credit score leading to detrimental affects.

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 2018-11-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on the Revised Pay As You Earn plan with Navient for two years. For that entire time my monthly payments have not been enough to cover the monthly interest. My payments have never been applied to the principal and my accrued interest ( and total balance ) keep increasing. 

I was never made aware of the subsidy that is supposed to be automatically applied to help in this situation and just happened to come across information about when trying to figure what to do about my loans. 

I contacted Navient to try to understand what is going on, but their responses have just been to explain the subsidy, and they have not tried to look into or explain my specific situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
I am very upset there are two accounts on my credit report and 3 inquiries that do not belong to me I need these off my credit this is clearly identity theft and nothing is being done buy the bureaus regarding this after sending multiple letters to them. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  XXXX/XXXX - XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : - XXXX CO DA XXXX Balance : {$0.00} DEPARTMENT OF CHILD XXXX Balance : {$940.00} DEPARTMENT OF CHILD XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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:
I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY There are also inquiries on my credit report that should not be there either : XXXX/XXXX-XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company 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 2023-07-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX
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:
Dear Sir/Madam, I am writing to dispute and lodge a formal complaint regarding an account that has been reported on my credit report. The account in question does not belong to me, and I have been diligently trying to resolve this matter to rectify any inaccuracies on my credit report. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : [ Account Number ] Balance : {$0.00} Highest Balance : {$330.00} Opened : XXXX. XXXX, XXXX ( XXXX yrs ) Account Status : Closed Type : Paid Responsibility : Individual Account Remarks : Consumer disputes after resolution Original Creditor Name : XXXX XXXX XXXX Closed : XX/XX/XXXX Creditor Information : Berlin-Wheeler-KS, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I have made attempts to resolve this issue by making a payment, hoping that it would rectify the situation and remove the account from my credit report. However, despite my efforts, the account remains on my credit report, causing significant distress and potential harm to my creditworthiness.

I kindly request your immediate attention and investigation into this matter. Attached to this letter are supporting documents, including proof of payment made and any other relevant documentation, which clearly demonstrate that I am not responsible for this account. I urge you to review the evidence thoroughly and take appropriate actions to rectify this error promptly. 

I understand that the Fair Credit Reporting Act grants you 30 days to investigate and resolve disputes. I kindly request that you provide me with written confirmation of the steps taken to investigate my dispute, as well as the resolution of the matter. Additionally, I request that you provide me with an updated copy of my credit report once the investigation is completed. 

Failure to address this dispute adequately and in a timely manner may result in further legal action, as I am prepared to protect my rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at the phone number or email address provided below should you require any further information or clarification. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, on XX/XX/2022 at XXXX XXXX  I was stolen money from my account. This person did not have my card on them and used it at a XXXX in XXXX NJ. I have never been to this town in my life and they took XXXX dollars from my checking account. I filed a complaint with my bank Chime, and they denied my case. I went to the police to get a report since the almost same exact situation happen to me in XXXX of XXXX The same wawa and an amount of XXXX dollars was stolen from me, and again it was in a town in NJ i have never been to and I was refunded my money back from Chime. However this time and after countless emails and only so much information I can give them ( including my police report ) they still are denying me of my money and sending me the same automated email that the case has been closed and wont refund me my money. I don't know what to do, this is my money i worked hard for and my bank isn't protecting me or helping me get my money that was wrongfully stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my third complaint against TransUnion and in each response they only show they are congenital liars. 

For over the past two months, I have been unable to get my TransUnion credit report via my paid {$14.00} a month TransUnion XXXX XXXX. For one month I had been unable to log in and they did correct that. But they have never corrected an issue that persist until even today : When I try to update my credit report via my paid TransUnion XXXX XXXX, it is never successful. When I click on " I Agree '', the progress wheel rotates for over 20 minutes but the report never materializes. However, if I pay them an extra {$30.00}, the report materializes immediately. 

If TransUnion can not fix this issue, I intend to file suit against them in XXXX XXXX XXXX XXXX w/o further notice. 

TransUnion must solve this issue.

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 2018-11-07
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for credit card thru XXXX XXXX XXXX. I never received card I went in XXXX paid {$100.00} in cash on credit card pmt. They never gave me account number. I have called multiple times and multiple numbers. Each time being told they don't know why I haven't received my card. Or statements.. I have not been able to make payments on my account due to no statements being sent to me.. Someone called from a collection agency I explained the situation and told what I was told each time. They told me I could make a payment to them on it.. I told them once I was mailed a bill with proof of information I would pay but not until. I have no idea where my money would be going or if this was even a legitimate call. Problem has still not been solved and now it's on my credit 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 monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints, TransUnion 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 TransUnion is 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 believe theyre unwilfully noncomplying with federal law & these issue is creating a ton of emotional physical stress. Id like these matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from these accounts. Below is the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}.

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 non-monetary relief
Consumer complaint received 2022-08-17
Company: ENCORE CAPITAL GROUP INC.
State: AL
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 your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Midland Credit Management? I have never done business with Midland Credit Management. 

I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area. 

The following accounts should not be listed on my credit file remove these accounts 1.Midland Credit Management {$1100.00} 2.Midland Credit Management {$330.00} 3.Midland Credit Management {$560.00} 4.Midland Credit Management {$1400.00} I have attached my legal FTC Form, as well as my document from XXXX Security Breach. Please send me a notice that this account has been removed. I can be reached at the following address listed above or the email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
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: Account information incorrect

Complaint:
I recently submitted a dispute to Equifax for them to remove an account they are continuously reporting and updating. This account is completely inaccurate and should be removed immediately. My most recent dispute on this account ended with Equifax certifying and updating an account that was included in a bankruptcy as a charge off account. I knew something was horribly wrong when this action dropped my Equifax score by nearly 30 points. Equifax is the most irresponsible credit reporting agency of them all. They plaster your report with adverse inaccurate information and refuse to remove it. The account I am referring to now is XXXX XXXX. This account was included in a Chapter XXXX Bankruptcy, but somehow Equifax has verified and updated this account to the status of XXXX XXXX. I will include supporting information and documentation. The only acceptable solution is for Equifax to delete this account, which they have verified as XXXX percent accurate and complete with the new update after my recent dispute. This account should be deleted immediately. I have included evidence from one of the better credit reporting agencies and how they abide by the rules, it also shows evidence that the XXXX account was NEVER a CHARGE OFF. Equifax must not update this account, it must be deleted per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been banking with citibank for almost 10 years. Recently, they always lock my account for no apparent reason and when I call they can't provide me with any reasoning. 
I spoke with XXXX XXXX XXXX XXXX technical support as well as XXXX who were no help. 
XXXX advised citibank is having technical issues because she was only able to help when she entered my bank card and not when I did on my side. 
Citibank locks my account for no reason and I have to call and battle with agents to get visibility. 
How can I enter incorrect information if it's fingerprint? 
Why am I paying a service fee for inconvenience and no access to my account. 
Citibank is by far the worst company. 
This is my second complaint as last year, citibank removed XXXX of my checking accounts. I say removed because it disappeared from my bank details and no longer visible. Citibank hid XXXX of my accounts and the money intil I contacted them. 
I asked why I didn't receive an email letting me know my account was locked. Agents advised they can't provide such email.

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