BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Account # 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 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 2022-08-15
Company: Chime Financial Inc
State: FL
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:
I had contacted Chime about the unauthorized transaction on my account. It happened at XXXX my time. I was in bed. My whole paycheck was taken. Total of XXXX dollars was taken out. The place it happened was XXXX XXXX located in XXXX, XXXX. Which is in XXXX. I did my own XXXX map search of it. That's where it took me. And I have repeatedly asked and sent the information to rebuttal their determination. I keep telling them I wasn't the one who did it. I was in bed. I always wait for my check to direct deposit to pay my bills. I went 2 weeks without food and electric because of them. I keep asking for it back. They are not listening to my side. I have done reported them to my local police department who said they keep getting the same type of call I had called in about. I just want my money I had rightfully earned be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2017-06-01
Company: CITIBANK, N.A.
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
Every year since  XXXX ,  XXXX  charged me for software automatic renew service, I disputed with them successfully for 3 years consecutively, I disputed the same charge successfully in year  XXXX ,  XXXX ,  XXXX . This new year  XXXX   XXXX  charged me again on citi dividends master card automatically for no reason, I had discontinued the  XXXX  software service since  XXXX . By now they still charge me this every year! And cities bank card still try to collect more money beyond the   XXXX   XXXX   XXXX   charge, they add delay fees etc. It is ridiculous!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  VA  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 2019-11-26
Company: BARCLAYS BANK DELAWARE
State: WA
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:
When I attempted to log-in to my account and use my card, I was not able to. I contacted the telephone number and was informed by the customer service agent that my card had been closed due to inactivity. She claimed that I was mailed a letter back in XXXX, 2019. I did not receive any such letter. Upon asking whether I could re-open my account, I was put on hold and the decision was made that I could not re-open my account. I asked what this decision was based on, as I have good credit and always paid on-time. Both the agent and then also the manager could only tell me that they could not re-open due to inactivity. 
Such a decision has impacted my credit score, as this is the oldest account I have had. When I believed I was using credit responsibly, I have been negatively affected by a lowered score - as one of the reasons listed under my credit score ( which is actually Good ) is that my oldest account is too new. With just a few more points, my credit would be " Excellent ''. 
Additionally, when I requested to know how they decide to re-open some accounts and not others ( how these decisions are made, and by whom ), I was not given an answer. 
Without a clear reason how and why these decisions are made ( which directly impact a person 's credit score ), discriminatory or biased practices often result. 
Furthermore, if a decision is going to potentially impact a consumer 's credit score, the credit card company should rely on more than one way to notify a person. Mail is not the most reliable method, they should also send email and notify joint account holders.

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 2017-12-27
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Good Evening, I am currently enrolled in a Master 's program at a school where I received a XXXX XXXX ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my Master 's out of pocket. 

There was an opportunity to Study Abroad next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. 

Next, I logged onto my account online for the school and there was a disbursement of over {XXXX} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. After some struggling, the school corrected the issue on their website. 

However, now a check was sent to me today, XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes XXXX. It is showing that I owe this amount, plus interest, and a {XXXX} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. 

I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

Please let me know if you need more information. 

Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XXXX XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.

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 2017-06-01
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This account was closed and I have been reaching out for the last year to come to a resolution regarding this account and its a ffect on my credit score.   Nordstrom has continued to tell me that my paying a {$750.00} closed account  was not good enough to have it removed from my Credit Bureaus. I have sent letters, Faxes as well as a few complaints through CFPB. I am fed up and  ready to take Legal action to settle this account and get it removed. this is my final attempt to reach out myself to come to some kind of agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25
Company: SLM CORPORATION
State: WY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My monthly payment with Sallie Mae has risen to an unmanageable amount and they did not put any effort toward working with me to lower the payment. The absolute most I can afford to pay them per month is {$300.00} ; the current balance due for XXXX is {$410.00}. 
I contacted Sallie Mae 's Office of the Customer Advocate in late XXXX. I'd read online that people have had success in the past getting their payments lowered this way. I offered to either pay at most $ XXXX or default. It didn't work. The individual I spoke to told me to pay what I could in XXXX then wait for their collections department to contact me. I had planned to do that, however, I had a surprise vet bill this month and I chose to save my cat 's life instead of paying Sallie Mae. 
I have no faith that Sallie Mae 's collections department will help me. I absolutely can not afford to pay them $ XXXX. I only owe {$23000.00} altogether, but even at $ XXXX my loans are not due to be paid off until XXXX because the interest rates on my three loans are 11.375 %, 12.5 %, and 13.5 %. 
I've never once missed a payment with them. I've been at most four or five days late. 
I am almost XXXX  years old and a XXXX XXXX XXXX XXXX XXXX XXXX  and I have to borrow money from my mother in order to buy groceries. I can not afford car repairs. I eat ramen and broccoli. I do not and can not spend my money on unnecessary things. One of the cosigners on my loans is my grandmother, who is XXXX years old and struggling to heat her house. The other cosigner is my mother, who works XXXX XXXX  and tries help me, but she can't really afford it. I don't know what else to do. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re :  Property Address : XXXX XXXX XXXX XXXX, La. XXXX Dear Consumer Relations, The reason for me writing is to request an investigation into Bank of America business practices. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, within the foreclosure document it states note was in default XX/XX/XXXX and notice mail. Their was six payments sent to Bank of America to cover my mortgage payments, issue from XXXX XXXX XXXX XXXX , XXXX, from the month of XX/XX/XXXX to XX/XX/XXXX. The information is documented below. 

1. Check # XXXX, dated XX/XX/XXXX, {$530.00} 2. XX/XX/XXXX, received Notice of Intent To Accelerate, delinquent {$1100.00}. Issue ( 30 ) day notice of default. 
3. Check # XXXX, dated XX/XX/XXXX, {$530.00} 4. Check # XXXX, dated XX/XX/XXXX, {$530.00} 5. Check # XXXX, dated XX/XX/XXXX, {$530.00} 6. Check issue XX/XX/XXXX, {$530.00} 7. Check issue XX/XX/XXXX, {$530.00} 8. Check issue XX/XX/XXXX, {$530.00} Furthermore, Bank of America collected {$3700.00} in payments, between XX/XX/XXXX through XX/XX/XXXX, from XXXX XXXX XXXX XXXX, Incorporated. Neither of my payments accounted, they mail me a delinquent notice to pay them {$1100.00}. My question is where is my money? The Notice of Intent does not reflex any payments that were made to my mortgage account. Your assistance in investigating this matter is greatly appreciated. 

Respectfully, 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 2021-09-23
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
We stayed in the Apartment ( XXXX XXXX XXXX ) ( not properly walkthrough fixed many things took 3 months ) ) last three years and moved out because of the Roches and vandalism every year ) We have small kids and affecting their health, unhygienic situations because apartment management fails to maintain the property. Last three years of destruction, we lost about a good amount of money ( complaint in XXXX police department ). Agreed to terminate the contract, and we arranged to pay the termination fees of {$2300.00}. When we are moved out, we ask you ; please give a payment plan we can pay off. The Apartment said no, and you will get a final invoice, and you can pay there. After I noticed that they sent to termination fee collection company IQ data international, we are still not getting any final invoice from IQ data global. When they called, I gave credit card. They said they would not take XXXX XXXX. This company was treated very disrespectfully and threatening that if you are not paying the amount, we put information in a credit report, or you will go to jail face the consequences consequence. 

We beg them please give payment plan because of the uncertain situations about the job we request we will pay off within 3 months. they said we can do but regardless we will put this on your credit and you need to get a loan or a high amount to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 they contacted my previous roommate on his cell phone. I don't know how they get his phone number and who they are.they told him that they are debit collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I became a victim of identity theft in  XX/XX/XXXX    when I received emails stating phones charged to my plan, credit cards maxed out, loans applied for. I immediately called all creditors, filed a police report and submitted information through the Federal Trade Commission  one  of which was the Victoria Secret Card financed through Comenity Bank. I informed them that my information online had been changed based upon fraud and all charges were fraudulent and submitted letter through FTC to them with their affidavits. They took care of the charges and removed from my bureau. I have not lost or had any cards stolen or identifications stolen that I know of and can account for all cards for this company which I have forwarded copies to them. The problem is they consistently allowed these fraudsters to enter into their stores and continue to use my social security number for account look up so that fraudulent purchases could be made . ( FIVE T IMES to be EXACT ) I gave passwords, they overrode them and allow these crooks to have access, they allowed updates online to where phone numbers and email addresses were changed time after time. The last and final straw for me was when they stated they did not know how to protect my account and I should just close all of them. Really? Well, at least I thought that would be the final straw BUT they allowed these crooks to do it again and this time sent me a letter stating there was no basis for my claim and I must pay the fraudulent charges. REALLY? NOT! I immediately called and they stated they needed a copy of my identification, what about the other five claims filed with the same information send time after time. Why send a letter accusing the victim of these charges when it is heavily notated and communicated that my identity has been STOLEN? Nevertheless, I send another copy of front and back of my identification and other documentation certified mail this time on  XX/XX/XXXX  they showed received on  XXXX  but I had to call today and was told that they are backlogged but they will have the information sent to the  investigator  and she will call me on Monday  XXXX . I will be waiting while fraudulent charges consume my credit report and a email reflecting I owe on  XX/XX/XXXX  is in my inbox. I will wait for an apology, a clearance of ALL fraudulent charges by phone call and written letter. Also, they have closed my account which I have had for almost 10 years if not  10.  Is this an inside job at the store and/or the company. Why was access bypass to allow continuous FRAUD. if  one investigator  from the last case stated he just do n't know. I want this cleared up immediately. The current case number is  XXXX . Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit reporting Act ( Enhanced Recovery Co L Acct # XXXX ) & ( XXXX XXXX  XXXX Acct # XXXX ) & ( XXXX XXXX XXXX Acct # XXXX ) & ( XXXX. XXXX, XXXX Acct # XXXX ) has violated my constitutional 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have never been late with my minimum pmt. yet when it came time to pay in XXXX, 2018, they charged me a late fee. Raising my minimum from {$27.00} to {$32.00} " late fee ''. 

My XXXX statement shows I paid on time, yet my XXXX one shows a late fee. 

After MUCH trouble, I got a Best Buy/Citi Bank representitive who apologized and rolled my minimum correct pmt. back to the correct one. 

Although this issue was resolved, I'm afraid I'll have to do this every month as the phone number on the back of the card doesn't give one someone to discuss these matters with. Only machine telling one to press a number. 

I will attach XXXX and XXXX statements for information if needed. 

Thank you, 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX, Transunion, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly

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