BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I was charged $ XXXX XX/XX/2022 by a hotel for a reservation that was cancelled XX/XX/2022. I reached out to the hotel and they cancelled it, also refunded me, and sent me the proof via email. The bank involved originally gave me a provisional credit, but month later, charge me again for that same amount. Since XX/XX/2022 the bank has credited/charged me XXXX times, although I have disputed it via email/mail/fax and none of them have been reviewed or taken into consideration. Every time I reach out to the bank, I speak with different agents who dont see my documents, who are giving me different instructions, dont see the information from the last agent, agents who giving me different reference numbers, and people who do not care, no empathy. This has caused XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and all I want is for my credit to be issued, and this dispute to be resolved once and for all. {$330.00} XXXX not be a lot to the bank for me living paycheck to paycheck {$330.00} is a lot of money. I received a letter that they will again be debited this money from my account XX/XX/2022, although Ive disputed it XX/XX/2022 and disputes take XXXX ( because no one is looking at my documents they keep closing the dispute ). 

XXXX charge XXXX credit XXXX charge XXXX credit XXXX charge XXXX credit XXXX pending charge

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 2023-06-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HI 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. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2022-05-03
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX I received a text alert regarding purchases made on my ADP/Wisley bank card I did not make. I immediately called my bank and informed them of the fraudulent charges. There was XXXX in total. XXXX of the XXXX charges were resolved. However, the other XXXX were not. The bank ( ADP/wisely ) concluded they were not fraudulent. All XXXX charges were made the same day within an hour or so of each other. The fraudulent charges were made with a company name of XXXX XXXX XXXX XXXX the description on my bank account is XXXX XXXX XXXXXXXX XXXX for the amounts of {$100.00} and another charge same description for the amount of {$76.00}. 
My case number with my Wisley bank is. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: LEXISNEXIS
State: GA
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: Problem getting your free annual credit report

Complaint:
I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.XXXX TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2019, New Jersey Higher Education Student Assistance Authority posted inaccurate information to my credit reports [ XXXX  and XXXX  ]. For the record, i owe no student loans, all loans was paid in full to the original creditor. On XX/XX/2019, I requested [ by phone ] to a New Jersey Higher Education Student Assistance Authority agent Cease and desist all misrepresentation and inaccurate reporting to third parties. To date New Jersey Higher Education Student Assistance Authority continues to violate fair credit reporting act, and infringe on my private intellectual copyright/ copy-claim property. Further more i have never receive any notices from anyone stating a debt is owed, i have no contract with New Jersey Higher Education Student Assistance. I never apply for any student loans with New Jersey Higher Education Assistance Authority, I never attend any school in New Jersey nor was i ever a resident of New Jersey State which are the requirements to receive student loan assistance. I never consent to doing with New Jersey Higher Education Student Assistance Authority. New Jersey Higher Education Student Assistance Authority and it's agents are violating my consumer rights, and are practicing bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: BARCLAYS BANK DELAWARE
State: MO
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:
I had a credit card for approx. 2 years. I asked if they had a short term plan with a lower interest because I wasn't sure how our income was going to be over the next few months, because of retirement. The customer service rep in order to qualify for the plan, you have to be in arrears. I told her it wouldn't work, because I've never missed a payment.She gave me more information along with my account would be close, but after the end of 12 months it would automatically be opened up & they would lower the interest over the 12 months also. I asked her to confirm that it would definitely reopen at the end of 12 months. She said " Yes ''. I told her again that " but I didn't have any late charges. She decided that if I wanted to get on the plan, she would basically see if the company would still put me on the plan. She told me she could put me on it! I was excited, but still continued to question about my great credit!! She just basically put me on it anyway. At the time, there was nothing said about why she was able to put me on the plan, except for it would still be reopen in 12 months. We were recorded, which is what I wanted anyway..plus, my husband also heard everything, because I had the rep on speaker phone, and I told her that he was sitting right by me & could hear everything that was said! I called the company in XXXX to find out my exact date in XXXX that my acct would be reopened, because I still made all my payments on time! That's when I found out that my account was not going to reopen & the rep that put me on the plan had made it look as if I missed a payment. Thank the XXXX  that I have proof from my bank draft & paper work that shows & proves that I never missed a payment. I called several times, & found out they even put my account in COLLECTIONS!!!!!!!! Then, they sent me a letter stating they were raising my interest rate even more than the original interest rate & showed that my payment would be {$100.00} ... which would be approx. {$32.00} toward principal & almost {$70.00} per month of interest & on this {$100.00} would take me 8 years to pay it off. I still can't believe they did this!! This is the employee ID for this rep ( XXXX  ) No one would give me her name, or no one at the company would even discuss why this was done, but the agreed that it was the wrong thing to do with my account!! This was recorded on XX/XX/2018.

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 2022-12-06
Company: GOLDMAN SACHS BANK USA
State: MI
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:
In XXXXXXXX XXXX XXXX XXXXXXXX fraudulent charges showed up on my credit card. My balance was completely paid off before these charges, and no charges have been made since. I reported it immediately. I was told they would file a dispute. They stated they received proof from the vendor that the product was ordered and delivered. I did not order the product or approve of the charges. They sent me a copy that the product was ordered by a XXXX XXXX. My name appears no where on the order. I reached our to XXXX to do some of my own investigation and found out she did place an order through her XXXX XXXX  account, she did receive the product but doesn't understand nor do I, how my card was charged for the purchase. I have receipts from where she returned the product to the vendor, a shipping receipt from the XXXX that the package was delivered and received by the vendor, and an email conformation from the vendor that they received the product and would credit the account. My card was never credited. I have been going round and round about with XXXX XXXX XXXX since XXXX and they ruled against my dispute and sided with the vendor. The said the supervisor from the dispute department would contact me to no avail to get this resolved. I now have XXXX late payment against my credit report for money I do not owe. I believe there may be fraud that's taken place on the part of my credit card. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I obtained a loan for a used vehicle in XX/XX/XXXX with Santander Consumer Loan USA for a 72 month term in the amount of {$18000.00} @ 22 % interest rate. My monthly payment was {$470.00} per month and I always paid {$500.00} or more. My term was due to end XX/XX/XXXX. I continued to pay up until XX/XX/XXXX an additional {$5500.00}. The company is alleging I owe an additional {$4900.00} to obtain my title. I have asked for payment history documentation back to the loan inception and they have not provided me with proof that I have not satisfied the terms of my loan outside of a monthly billing invoice. The request was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; TXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; KXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXXXXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was first told by a representative of Sallie Mae that I could call every 3 months to defer loan payment if my financial situation did not get any better because of COVID. She deferred my loan, 3 months went by and Im still struggling, I called back as told. This representative I spoke with told me that there was nothing they could do to help me and it will go on my credit score preventing me from buying a car, home, ect. I begged with the representative from Sallie Mae, she simply told me what I had to pay monthly which was well over {$2000.00} and she could not provide me with anymore assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, Consumer Adjustment Co. reported this account as " collection ''. At this point I had received nothing in writing from this company. On XX/XX/XXXX, I sent a request for validation pursuant to 15 USC 1692g. This letter was sent certified mail and received on XX/XX/XXXX. After consumer Adjustment Co received my request they sent me an offer to settle ( dated XX/XX/XXXX ). On XX/XX/XXXX i received another letter from Consumer Adjustment Co. to this date, I have not received any validation of the debt. Also, Consumer Adjustment Co. is not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I dont remember the exact date but it was in month of May I do remember a friend of the family was suppose to send me funds durning this time At the same time something else happen which Im really not sure of or how it happen because no one had my personal information that I gave out Ive been using navy federal for year im fully aware if someone wants to send me funds they can do so through my access number When its XXXX to XXXX XXXX XXXX XXXX asked me was someone trying to send me money I told them yes they asked for the name I gave the first name I didnt know his last name then they went on a rant as if I said something wrong and how they were permanently stopping me from being able to open any accounts with them I want to get to the bottom of this nonsense asap I need my account and Im not paying anymore I never had or know where it came from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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 sent documents and FTC report months ago never got the results of my disputes this is really getting annoying waiting 30-45 days for them to fix an error that should of never been on my report in the 1st place. 

I sent letters over several month now and still havent got any update or changes to my report... there are unauthorized inquires on my report and child support that are incorrect And should not be reporting on my credit profile also they ( TRANSUNION ) have failed to provide any information about how they verified the alleged debt and inquires. No documentation has been sent to me with my wet signature and I am the only person who can validate these alleged debts I DO NOT VALDATE THE DEBTS AND THESE ITEMS NEED TO BE REMOVED YESTERDAY THEY ARE IN VIOLATION OF THE FCRA section 623 ( c ) 1681s-2 reporting inaccurate information. Its illegal to report information that you know is inaccurate. 15 U.S. Code 1681b - Permissible purposes o
f consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

AND 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days

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 2023-08-22
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-05-25
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
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 am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX 

Specifically, I would like Equifax to verify that there was a late payment on the account in XX/XX/2022. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that Equifax provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response from Equifax within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that Equifax remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open an account with chase back in XXXX when I open the account, I got approved for chase secured checking account where there is a fee XXXX. I never had any issues XXXX of XXXX I went into chase bank to open up a regular chase account witch I got approved for a total checking account everything was good until XXXX, XXXX XXXX when I went to log into my account I got a message saying we locked your account due to suspicious activity so I called them and talk to someone in account closer department, and they said in so many words that they were closing my account because someone in fraud department decided to close my account for no reason, and they said in our policy we can close an account anytime we want to for no reason and dont have to give the customer any explanation luckily I wasnt out somewhere doing a purchase or at a restaurant because I wouldve never known they done any of this they didnt call or send me an email when I talk to them oh they were like we mailed you out a letter Friday XX/XX/XXXX. I feel chase is doing bad business because how can a company just close an account for no reason. I mean the only thing Ive done with this account is make cash deposit at the atm or transfer funds from XXXX to my chase account or transfer funds from another bank to my chase if they consider this being suspicious its something wrong with this bank.

Company response to consumer: Closed with explanation