BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX, Citicards CBNA, and XXXX XXXX XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2019-10-26
Company: ERC
State: IL
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:
XXXX XXXX XXXX XXXX XXXX has showed up on my credit report and sent to collections after it was filed and discharged in my bankruptcy in XXXX and discharged in 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 2017-09-19
Company: Experian Information Solutions Inc.
State: MI
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:
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6XXXX XXXX XXXX.
7XXXX  8XXXX XXXX XXXX XXXX 9XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12XXXX 13.XXXX XXXX 14XXXX 15.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 2020-11-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 I called JP Morgan Chase to request a credit limit increase for my Chase Freedom Credit card. The representative entered my request ; informed that credit analyst will review within 10 business days. 

On XX/XX/2020 XXXX Application for credit limit increase was reviewed within a short amount of time ; however, I received a denial letter providing inaccurate/problematic reasons. My XXXXdit score is superb, yet denial letter listed the following reasons below : -Length of time since oldest credit card was opened is too short -Total available credit on credit cards is too low -Number of recent inquiries on credit bureau report -One or more Chase cards has low available credit *Notice that the date calculated shown on denial letter is XX/XX/2020 rather than XX/XX/2020. Another flaw to consider. 

XXXX I contacted Chase reconsideration line to review. The representative then put in an application. After 30 minutes of speaking with the representative ( with her filling out the application ), the call disconnected and I received no callback. I called the line again at XXXX and new representative informed that the application was entered, despite me not knowing it was confirmed. After expressing my frustration the representative informed me the application for reconsideration was denied again this time with only one reason, which was completely different from what was listed in the denial letter for credit limit increase. The representative stated : We show your application was denied due to having multiple credit accounts open. 

This very well is a lack of incompetency in both customer service, financial integrity, and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( on XX/XX/XXXX and second on XX/XX/XXXX ) to DIVERSIFIED CONSULTANTS and requested they only contact me by mail. There has been no response from the debt buyer. 
This account was not opened by me, and I have not resided at the address of the account for three years. The account belongs to the current resident, who has since called and paid the outstanding amount. I informed XXXX, the original creditor who informed me my information would be removed from this account and the current resident would be added but I have yet to see resolution. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by DIVERSIFIED CONSULTANTS regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
My Ally Home mortgage was paid off at escrow by the buyer 's mortgage company and should not have reported 30 days late. This derogatory mark that is reporting in error is the only negative mark on my credit reports and is dropping my scores by at least 30 points.

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 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the 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 2021-05-20
Company: Ability Recovery Services, LLC
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: Was not notified of investigation status or results

Complaint:
I have been disputing this company and their inaccurate reporting for over 90 days however they have not responded to any of my dispute letters. In addition to the credit bureaus who allow this unverified reporting to continue.

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 2022-01-05
Company: Social Finance, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I refinanced my student loans through SoFi. I submitted an application and accepted interest rate of 3.05 % before their stated deadline of XX/XX/2021. On XX/XX/2021, I received a call from a SoFi representative stating that my interest rate was increasing to 3.55 % because they were unable to verify my income based upon my pay stub. As instructed, I uploaded my pay stub to my online portal. 

On XX/XX/2021, I called SoFi to follow-up on the status. I was informed that the initial 3.05 % rate had expired. I then asked to speak with someone on their escalations team because I did not understand how the rate expired if I followed their instructions and it was SoFi 's delay in contacting me to ask for more proof of income. I then spoke with XXXX XXXX on their escalations team to explain the situation and to explain the pay stub and prove that I made the income that I represented. It appears that SoFi was simply looking at my gross income, however, as a travel nurse, I receive tax-free funds that are no included in that gross figure they were going off of. I explained XXXX XXXX that SoFi needs to add up the gross amount as well as the tax-free portion of the pay stub. XXXX XXXX seemingly understood and said that if all of my paperwork was initially in prior to the deadline, then I should receive the 3.05 % rate. She then stated that she would have a " reviewer '' look at my file and get back to me ASAP. Immediately thereafter, I also uploaded a new pay stub that I received ( since I was just paid again ) as well as a copy of my bank statement to show how much income I was receiving. 

On XX/XX/2021, I received an email from an " XXXX '' at SoFi indicating that they can only offer me a 3.55 % interest rate. I emailed XXXX XXXX asking why this was and I received a response from " XXXX XXXX '' indicating that the previous rate already expired and that this new rate was based on the income paperwork. This is just going in endless circles even though I accepted a rate of 3.05 % and submitted my necessary proof of income. SoFi appears to be luring consumers in with lower interest rates and then hitting them with a higher rate without any logical explanation- they simply repeat themselves over and over again. 

Their delay in processing your application and general incompetence has now forced me to accept a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have credit card account at Kohls.
I made online purchase of XXXX  on XX/XX/XXXX and never received any bill or payment reminder for this balance.top of that, I am struggling to schedule auto pay for this account from last couple of years. every time when I call for auto pay assistance, they say it 's under payment option when you go online. I ca n't find any auto pay option. find attached file for all payment option.
In addition, they charged {$15.00} late fee in XX/XX/XXXX and reported my account to credit bureau. They should have at least inform me before reporting to credit bureau. Moreover, they charge {$37.00} again in XX/XX/XXXX as late fee.
so basically my balance is as of now around {$81.00} with all fees where my original purchase amount is only {$26.00}. Associate was very rude while talking and when I ask about the reminder they said you are responsible for the balance and we did contacted you in other form. I do not have any other contact channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Late reports that should not be there

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 2022-08-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an account with HHLoans with the Texas Higher Education Coordinating Board. 
The most recent student loan payment of {$1500.00} was withdrawn from my savings account on XXXX but my student loan account only shows a payment of {$400.00} that was received on the same day. The actual loan price decrease on both interest and principal was {$210.00} ( of which {$170.00} was interest and {$40.00} was principal paid on Loan ID XXXX ). This leaves {$180.00} unaccounted for when compared to the {$400.00} amount shown as paid according to the portal and {$1300.00} unaccounted for according to the amount that was withdrawn from my savings account though ACH enrollment on XX/XX/XXXX. I sent the THECB an email addressing their transgressions and five days after the original transaction, a second payment of {$1100.00} was shown to have been processed on XX/XX/XXXX ( and listed BEFORE the {$400.00} amount ) which is a complete lie. Besides the last minute transaction, there is still money unaccounted for and they are not addressing the issue. Their email responses are completely irrelevant that don't address my concerns and they don't have a working phone number. I also have no say in where my money goes in excess of the minimum monthly payment despite the ACH payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a zero annual fee XXXX XXXX Rewards card with Bank of America in XXXX of XXXX. 

On XX/XX/XXXX, I found that I have been incorrectly charged a {$39.00} annual fee every year since opening the card. 

I have spent a lot of time and effort on the phone with several Bank of America employees and supervisors trying to get the {$310.00} I have incorrectly paid in fees over the years refunded, but each attempt has been unsuccessful. 

In addition, I was told on my several calls that the BOA XXXX XXXX card only became 0 fee on XX/XX/XXXX XXXX a lie ) and that I would be refunded XXXX of the annual fees I've paid ( confirmed by supervisor XXXX to be a lie ).

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 2020-11-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not 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 2017-08-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The problem lies in the fact that the interest rate is more than my payment, I can not afford double payments and with my minumun payment they are still charging me {$400.00} per month in interest. I have had a student loan for over 20 years now and no matter how I try to pay it off- ll it does is increase. I had many deferments and the company kept charging me interest on the loan. My loan has increased over 20, 000.00 in interest alone. When I contact the company for help all they offer is a plan with lower payments and that does nothing when interest is still collecting. I also am supposed to renew my loan terms yearly and never receive anything in the mail, and they make it difficult to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I Completed the Citi Priority client offer that Citi Bank sent me for XXXX XXXX XXXX Aadvantage miles ( offer # XXXX ) - called Citibank and confirmed with Citibank rep all offer requirements met 4 mos ago and still Citibank has not credited my XXXX XXXX Frequent Flyer acct # XXXX the XXXX XXXX XXXX Aadvantage miles I earned. Citi bank rep even opened an investigation case 2 weeks ago : case # XXXX XXXX BUT still no response from Citi Bank on this. 
After looking online there have been many complaints about Citi Bnak not honoring their offer to clients that met offer requirements. Here is website with more complaints about Citibank unethical practices on this and other clients reporting this to CFPB : XXXX : XXXX Please take action with Citi Bank on this now to credit the XXXX XXXX  XXXX XXXX   Aadvantage miles I earned on their offer to me - as they are committing fraud offer and unethical business practices on this. 
Thank you

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 2020-11-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit reports from XXXX, Transunion and XXXX are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in XX/XX/2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.

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