BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: NY
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:
Equifax is showing numerous student loan tradelines as being 120 days or more late from 2014. During this time I was unemployed, collecting unemployment from NYS, and my federal loans should have been in deferment. I have disputed these tradelines multiple times, but Equifax has not changed the negative status, despite updating to show those months as paid for XXXX or the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: PA
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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2022-07-06
Company: Experian Information Solutions 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:
I have received an " Adverse Action Notice '' of unable to extend credit for Loan requested {$5000.00}. However, I did not apply for this loan. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX, Phone XXXX have sent this notice to me dated XX/XX/2022. 

Since I also had array of charges on my 3 credit cards between XXXX, XX/XX/2022, my XXXX XXXX card was charged {$320.00} from XXXX. I have {$260.00} Pending charge from XXXX on my XXXX XXXX card. I have {$370.00} charge from XXXX on my XXXX XXXX XXXX  XXXX Card. All three charges were not authorized by me. 
I do not want to contact XXXX XXXX XXXX by phone to give any more personal information. I will write to them to deny any application submitted with them and ask them to remove the inquiry on my credit card.

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 2021-05-21
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, my name is XXXX XXXX. 
I have tried to contact Citibank after they suspect there was a fraudulent activity online. 
They blocked online access many months ago. I went into a branch to sort things out but even then employees could not help me. 

I tried calling them and get access granted again. However, they won't solve my issues at all. I have spent so much time on the phone to verify my identity to get access. They said they will send me a reference letter but I haven't gotten it for weeks. My phone number on the file is an international phone number, which they can not verify it. And they won't accept my second phone because it's not on file. I want to access my account.

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 2022-07-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been in repayment of my private student loan fine XX/XX/2006, during this time XXXX College, a college owned by XXXX colleges, never provided any assistance with promised job prospects. Since this time now I have lost all access to my transcripts, as well as that college being closed down due to misrepresentations about borrowers ' future job prospects. These have been confirmed in court and now the government has forgiven all federal loans. I am still in repayment for going to a school now that is closed, and my diploma is worthless. I have reached out to Navient about closed school discharges and they have told me they will do nothing to help me, and I am required to pay the remainder of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The store card administered by TD Bank offers a deferred interest period of either 6 or 12 months depending on your purchase amount. They encourage you to sign up for electronic statements and billing, but their online payment system is designed to make you underpay during your promotional period so that you will be walloped with a massive amount of accumulated interest at an incredibly high rate. They have the online payment system rigged so that you CAN NOT pay any more than the minimum payment due each month on auto pay. Of course, if that's all you are allowed to pay through the system each month, then you will be far short of the total due during the promotional interest-free period. It is obvious that they have set their system up to increase the likelihood that consumers will either ( 1 ) have to make individual monthly payments, which increases the likelihood of missed or late payments, which will in turn incur late payment fees and it will be considered a default on the interest-free terms of agreement and they can start charging interest immediately ; or ( 2 ) they will only pay the minimum monthly payment since that is all that the online auto pay system will allow and then they will be be far short of having paid off the balance during the promotional period and will incur accrued interest at a whopping 29.99 %. 

This is THE ONLY online system I have ever used that prohibits consumers from making automatic monthly payments larger than the minimum payment due. It is down right fraudulent in their attempt to force consumers into defaulting on their interest free period. 

I called them on XX/XX/18 and they confirmed they will not allow automatic monthly payments larger than the minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CITIBANK, N.A.
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:
I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX  days and I have yet to receive and update for removal from 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 explanation
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a balance transfer offer on my account for 0 % for 15 months. I proceeded to transfer {$5000.00} from another card which posted to my Capital One account on XX/XX/XXXX, and I was charged a 3 % fee. When I received my new statement on XX/XX/XXXX, I had {$160.00} of interest charges ( based on the entire balance of the account ). I called Capital One and they stated that the offer I used was based on 15 month from the date I opened the account in XX/XX/XXXX. I questioned why an offer from that long ago would still show up a month or two before the promotion ran out, because it makes no sense for me to pay a fee to transfer my balance for that short of time. I also stated that I felt it was extremely deceptive to have an offer available like that. The person I was speaking with told me there was nothing they could do, as did the supervisor I asked to speak with. The statements don't show a date that the promo balance expired so I didn't realize I was accumulating interest until the new statement arrived, so now I've paid a {$150.00} transfer fee and {$160.00} in interest when I would have transferred the balance to a different card had I realized what was happening. I'm sure the dates were listed on the offer, but being XXXX, and considering these offers widely expire after XXXX of account opening, I thought I had close to the full 15 months. Now I am paying another fee to transfer to a different card only a few months later!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made payment XX/XX/22 of {$73.00} by check. Payment processed by our bank at {$73.00}. Payment was never credited at receiving bank. Paid {$1.00} to agent at receiving bank to make the account have a XXXX balance. Made duplicate payment to agent of receiving bank of {$73.00} which was credited to our account by receiving bank. This was a duplicate payment to avoid paying interest. Faxed the receiving bank a copy of front and back of credit card and front and back of original check. Case # of dispute is XXXX. Claim # is XXXX. They have investigated and investigated and are still stalling.

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 2021-09-08
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
Sent a certified letter to LexusNexis to show proof of their method of verification for validation of a Bankruptcy they have put on my credit report and the 3 other major bureaus use them as a source of verification. It has been over 60 days since I sent them this certified letter with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
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:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : 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 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

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 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The Experian and XXXX credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrected : XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$6300.00}.

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 2023-12-12
Company: United PanAm Financial Corp.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
" I've contacted all credit bureaus for account removal. As of now, only XXXX has been successful in updating the information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After the CARES Act, I filed for mortgage forbearance for 6 months ( XX/XX/XXXX ) from my service provider. That was a problem because I was initially told I did not have a federally backed mortgage, which was untrue, because my mortgage is backed by XXXX XXXX. Eventually, I received that 6-month forbearance after much back and forth, phone calls, etc. 

Servicer : Select Portfolio Servicing Inc. 
Loan Account Number : XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, Customer Relationship Manager, ( XXXX ) XXXX Ext : XXXX XXXX What is happening now : I requested by letter to my provider twice, XXXX XXXX and XXXX XXXX, XXXX ( as well as verbally on the phone ) to add an additional 6-month forbearance which the CARES Act provides me. On XXXX XXXX, instead of responding to that additional 6-month forbearance request, they sent me an " Assistance Decision Review Notice '' as part of a Loss Mitigation Program Decision stating that I now had a new payment and payment date starting XXXX XXXX, XXXX. The letter stating " Congratulations! You have qualified for and we are pleased to offer you a SPS Trial Modification. This program is intended to help you avoid foreclosure or other legal action. '' On XXXX XXXX, I sent an email to my relationship manager, XXXX XXXX ( XXXX ) as well as submitted multiple letters online re-stating my request for additional 6-month forbearance. It is not time to discuss what happens when the forbearance ends. My plan was to add the add the payments not made to the back end of my mortgage. The mortgage 's current principal balance is currently {$26000.00}. 

What I want : I want my servicer to adhere to CARES Act rules by permitting my request for an additional 6 months of forbearance. I want not to have to keep doing this dance with them into perpetuity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2020-12-23
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened an account at Citibank with Citibank Personal Banker, XXXX XXXX at the Citibank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
I put {$15000.00} into checking and savings accounts under an offer that was supposed to reward me with 2.5 % cash back on my CITI Master Cardand a {$400.00} additional cash bonus. 
It took several months of complaining/calling to get Citibank to pay me the 2.5 % cash back that was promised. Eventually, they began to pay me this promotional rate along with an extra {$50.00} ( posted on XX/XX/XXXX ) for the inconvenience I was put through. 
On XX/XX/XXXX, I sent XXXX XXXX an e-mail asking about the {$400.00} additional cash bonus. She never responded. 
Because of the Covid lockdown and my aversion to leave home, it wasnt until XX/XX/XXXX that I went back to the Citibank branch. On that day, I met with XXXX XXXX. XXXX XXXX reviewed the offer and my account and said that I should have received the funds. XXXX XXXX said that he would forward an inquiry for review and correction of the matter. I have attached a copy of what he wrote on that day. 
On XX/XX/XXXX, I went back to the Citibank branch and met with XXXX XXXX. XXXX XXXX told me that XXXX XXXX had never submitted an inquiry, but that he would do so. I asked him to put that in writing, but he refused to do so. I asked to speak with the branch manager, but I was told that he was on vacation until sometime in XX/XX/XXXX. 
I opened an account at Citibank on XX/XX/XXXX under a rather straightforward offer that was supposed to reward me with a {$400.00} additional cash bonus. No matter who I speak with at Citibanknothing ever happens. 
Why is Citibank allowed to do this?

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 2020-12-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 I pulled my credit reports from the bureaus and they contained innacurate personal information and social security number variations that did not belong to me. I contacted all bureaus to confirm security freeze on my files and update my personal information and dispute all inaccurate information. I disputed a Company MIDLAND CREDIT MANAGEMENT INC for {$2000.00} ( original creditor XXXX XXXXXXXX credit card ). After sending dispute to both Midland and the original creditor, XX/XX/2020 I recieved a letter from XXXXXXXX XXXX that they recieved my dispute and attached a document. The document attached was a letter from the original crditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to MIDLAND CREDIT MANAGEMENT INC. XX/XX/XXXX, I sent a second written request to MIDLAND CREDIT MANAGEMENTINC for validation of the debt requesting original signed contracts and an agreement from me that consented to the sale of this debt and any contracts connecting me to this debt. I recieved no response. I continued to recieve harrasing phone calls several times a day from various numbers to my cellular phone from MIDLAND CREDIT MANAGEMENT INC and at my place of employment even after the request to cease and desist was included in dispute letter # 1 and 2.

Company response to consumer: Closed with non-monetary relief