BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/2018, I applied online for a credit card of XXXX XXXX Visa Card by Citi. The Citi credit card company denied my application immediately after I submitted online even I have good credit and good credit scores.Also, I am a XXXX member ( XXXX membership number XXXX ) while many others people have much lower credit scores than mine still got approved,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
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: Account status incorrect

Complaint:
I do have have a Citi Bank Credit Card which i closed on XX/XX/2015 on good standing and is reported as charge-off to the credit bureau 's. So, i called all the credit bureau 's and disputed the account being charge-off as i paid all of it in good standing and closed it in a good standing with a XXXX balance  on it. 

As a result XXXX and XXXX have verified my account and they have removed the charge-off from my credit file and closed it appropriately. But, XXXX did not remove it from the credit file which is seriously affecting my credit score and daily life. 

So my XXXX scores are always being very low with a serious deliquency on the account which is causing me very serious problems in my daily life. 

There is always a great difference in my credit scores because this such as : My current XXXX Score : XXXX My current XXXX score : XXXX My current XXXX score : XXXX As you see above there is always a 100 point difference between the scores which is a serious problem for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Creditors Specialty Service Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
years ago they took all the money out of our account they after us with very harsh phone calls and we paired {$200.00} a month we agreed on an amount, after a few payments and I ask for their information proof of payments on their part they stop charging us. trough a judge order they took all the money we had in our account. We believed this problem was fixed. We bought a house and ask my lender to find this in my credit report and we did not find nothing. 
now after a few years ( 5 ) they are coming after us with a bill bigger than before. 
this bring a lot of stress into my family we need help. 
name of company .-Creditor specialty service inc XXXX XXXX XXXX XXXX XXXX ca . XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-25
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX has placed a derogatory remark on all 3 of major credit report companies. It is a medical bill reported from XXXX  Hospital XXXX XXXX for services dated XX/XX/XXXX. The patient 's name is my adult daughter who listed me as an emergency contact, not a guarantor of her charges. I do not recall ever having signed to pay any of her bills since she reached 18 years of age. 

I have attempted to contacted the collection company, XXXX  Hospital XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None will provide me with evidence that I signed to guarantee her bills. XX/XX/2018 I spoke with XXXX XXXX 's office. Employee stated the computer listed my name as guarantor but was not able to provide me with any documents proving this. She was unwilling to remove me as guarantor. She stated that my daughter would have to have me removed. Daughter who had not been speaking to me since XX/XX/XXXX answered my text and denied she was ever aware of money owed to XXXX XXXX. After making several phone calls, daughter stated that several people told her there was no money owed. Daughter had my name removed from computer as Guarantor but no one provided her with a signature that I had ever agreed to cover her medical bills. In XX/XX/XXXX and XX/XX/XXXX I filed disputes with all 3 Credit Report Agencies. The derogatory remarks were removed only to return in XX/XX/XXXX under a different reference number. XX/XX/XXXX I received an email that XXXX  determined it was my debt. To date, no one has ever provided me with a document showing my agreement to pay my daughter 's debts. The derogatory remark remains on my credit reports. 

After several attempts to contact daughter and her husband, my husband received a text that she had already done all she could do to rectify the problem, including paying a small amount toward the debt. As they are no longer having any contact with us, we have hit a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This account is inaccurate XXXX XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on XXXX while the TransUnion and XXXX is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information 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 non-monetary relief
Consumer complaint received 2018-10-07
Company: Embassy Loans
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2018 I signed an agreement for a Tittle loan from a company by the name of Embassy Loans , Inc. I was never informed that if I can prove that I had insurance coverage for six month from the starting date of the lein, they would never charge me in addition the Amount Paid for Voluntary Debt Cancellation Waiver which was XXXX charged on top of the amount I borrowed XXXX ... once I found out I was wrongly charged for not having insurance coverage for 6 months, I called them on XX/XX/18 to demand an explanation .... I had already made 4 payments of XXXX not knowing that I could have faxed them proof that I did have insurance coverage for 6 months on my car. They are also shubbing 28 % interest rate on this loan which is unheard of ... they scammed me into paying more then I got out of this loan ... I need help, I shouldn't have to pay them if they didn't inform me of the 6 month insurance coverage, they deceived me ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
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:
The following account ( XXXX XXXX XXXX ) belongs to someone with the same or similar name. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I've been going back and forth with Experian refusing to complete an investigation and provide me with all documents and sources pertaining to the investigation they simply just send generic responses stating updated. When calling into customer service theres no help at all please help me with this matter. Although Im not running from responsibilities being that Im a victim of identity theft Im trying to confirm this debt belongs to me and have asked for proof or Deletion. they chose to delete 3 accounts from XXXX XXXX XXXX but allowed the others to remain stating verified how is that even possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
1 ) I submitted my Income Based Repayment paperwork within a few days of receiving the request from XXXX. Two moths later, my payments reflected that it hadnt been received. I called and was told my paperwork was received too early so processing it was put on hold. It was then processed but my next payment amount due could not be edited to reflect this. I had to put my loans into forbearance, suspend direct debit, make another call to manually enter my payment. I spent multiple calls and hours trying to make sure I didnt have my bank account drained by an incorrect payment. 

2 ) Additionally, apparently when my account was transferred to XXXX I made a payment which I was told would count towards my pslf when I was placed on administrative forebearance ( without my knowledge ). Apparently that payment in some way was applied to future payments and for the past 18 months those payments would not have counted towards pslf because a paid ahead status disqualifies one from being a qualified payment. I never asked to pay ahead. In fact, the representative told me that all loans have this default option to pay ahead. Why would a company servicing my loans for the sole purpose of administering the pslf program have an automatic or default setting which disqualified me, the customer, from the program? I had spoken with representatives multiple times in the 18 moths during which my payments were apparently not qualifying payments and this was not made clear by any representative. Supposedly paperwork was submitted to retroactively remove this disqualifying status and make the payments qualifying. 

3 ) The system which allows for review of qualifying payments needs a separate complaint as I requested a review in XX/XX/2017 and ten months later it is still waiting to be processed to answer why many of my loans have varying numbers of qualifying payments applied to them. I was told this process is now taking 12-16 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the apartment collection through the credit bureaus on XX/XX/XXXX, then again XX/XX/XXXX, plus I mailed NCS a debt verification letter, which was never answered? I do not believe the balance amount is correct. 

I asked for a itemized breakdown of all costs that add up to {$2900.00} Plus according to Ky. Rev. Stat. Ann. 383.670, I would like to know what steps were taken to re-rent the unit to limit my exposure to additional rent costs?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom It May Concern, Hi, my name is XXXX XXXX and my loans are being handled by Navient. I have reported this problem before, to which they fixedthe problem. However, they have yet to fix this problem with other students ( including myself again ), as well as my other classmates.

To my understanding, when students obtain loans, students have 90 days to return the loan without any fees or charges occurring ( i.e. that loan amount does not accrue interest ). However, whenever I make return part of my loan to Navient within these 90 days, they apply some of the repayment to the net loan and some of it to the interest that has accrued. Ultimately, these means that the net loan amount is higher and students are paying more over time as the increased net loan creates more interest for students. 

About 1 year ago, I already created a complaint regarding this issue where they refunded me for the amount that was applied to the interest, and the additional interest that it created. Other students that I had warned about this issue contacted the company to which they said this problem has never occurred before and it was a simple error in the system. However, despite their awareness of this issue, they have still yet to fix this 'problem ' that is essentially generating more money for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have request a copy of signed contract from Credit Bureau Services A and I have reached out to XXXX XXXX XXXX XXXX for a copy of lease that I signed pass 2015 showing that I owe {$7400.00} and still have not received any thing to validate 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 2020-10-19
Company: EQUIFAX, 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:
I have been having so many issues in regards to my identity being stolen. I spoke with XXXX, equifax, and XXXX  and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: AR
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:
My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX  XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was approved for credit card XX/XX/18. The offer was to spend {$2500.00} to get XXXX bonus miles. I spent around {$2400.00} and now my card is frozen. I was told to summit a XXXX on XX/XX/2018. My account has still been frozen during this entire time. I have called many times asking about the progress and they have responded they are still working on it. I have only until XX/XX/XXXX to meet the spend. I want to be able to meet the spend to get the bonus but having a frozen card makes it hard. I do not think it is fair to have a card frozen when it is so close to the minimum spend for the rewards. They should not of approved my card if they had doubts about my ability to pay in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
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:
I am concerned about XXXX XXXX because they did not notify me that I had a payment due and as a result, my credit could be adversely affected. 

To date, I have received two statements from XXXX XXXX for a Perkins loan. 

The first stated I owed {$0.00} on XX/XX/2018. 

The second stated I owed {$160.00} on XX/XX/2018. This statement said {$84.00} of this was past due. 

My concern lies with the past due portion. My previous statement showed that I owed {$0.00} so I could not have been past due. 

I corresponded with the company via online chat. The woman wrote I owed for XX/XX/XXXX and XX/XX/XXXX. She did not acknowledge my concern and told me to check my account online. I expressed that I would have made a payment had I been notified. She did not seem to understand this. I believe this is predatory lending. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This derogatory information is reporting on my bureau and this company i have never heard of, never done any business with them and i previously disputed this information under a different company name and it is reappearing as a new trade line under a different company name. I do not do business with XXXX and have no clue why i am repeatedly disputing erroneous information on my credit reports.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My ex husband applied for XXXX XXXX & used my name XXXX a co signer. It was {$1000.00} credit line. He never paid on it. I started getting collection notices from Portfolio Recovery and asked him what had happened. He took full responsibility, & said he'd take care of it. Fast forward to 2016, we were both sued & iin court my attorney asked the Portfolio attorney to remove me from the legal action. He refused stating as long as my ex paid the monthly payments, I wouldn't have to worry. He didn't pay. I now have a lien on my home. I've disputed numerous times via XXXX XXXX & XXXX. Each time they upheld it, however, no one has provided me with proof of my signature on the contract. When i've specifically asked for proof, they just send me a credit card statement. That's not proof. I've contacted the attorneys directly and asked for this proof and have been ignored. My ex husband signed a notarized statement stating he was solely responsible for this debt. I was still ignored.

Company response to consumer: Closed with explanation