BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect information on 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 2023-01-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This complaint is in regard to a collection letter mailed by XXXX XXXX XXXX, LLC to collect a debt owed by my deceased mother, XXXX XXXX XXXX. Two of my mother 's creditors used XXXX XXXX XXXX, XXXX to collect outstanding account balances. As the Administrator of the estate, I wrote letters to the creditors to the best of my ability to inform them of the death. I provided a death certificate for documentation purposes. Before I was able to settle the outstanding balances, XXXX XXXX XXXX, XXXX sent a letter to the Estate of XXXX XXXX. Sheets to an address that is not related to any of her accounts in any way. The letter was requesting information regarding the administration of the estate. I am filing this complaint because I do not understand why XXXX XXXX XXXX, XXXX felt that it was necessary to send a collections advice to a random address. I believe that this predatory collection agency searched for the same last name in the same city, state, zip code as a fishing expedition. This is very offensive to my mother 's memory.

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 2021-02-25
Company: Nelnet, Inc.
State: MD
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:
Nelnet intial loan balance changed from time of loan after paying on time for 5 years the loan a=mount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and Department of Education and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have FTC Report # XXXX for identity theft for fraud. XXXX XXXX  account # XXXX has been compromised. Please review report and attached documentation. Block information immediately from my credit profile. FCRA guidelines states all fraudulent and identity theft activity must be blocked immediately.

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 2023-05-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attached my FTC report with all debts I have found so far and amounts listed.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I will like all inaccurate information To remove from my credit report because these bankruptcy does not belong to me. the following dates apply XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2019-03-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi! I enrolled in Best Buys credit card through Citibank XX/XX/XXXX to buy new appliances for our home. We are frequent buyers of Best Buy and my fiance and I are both in great credit standing. 

Our Balance as of XX/XX/XXXX was {$1500.00} out of {$6900.00}. We paid the majority of this within the first year in a lump sum. They ran a 2 year promotion of interest free and when XX/XX/XXXX hit there was {$2400.00} on my account for an interest charge. Before this and after this, I received XXXX cutesy notification that the promo was expiring or that this would be what would be hitting my account. I recently received ( 1 week ) calls from their call team trying to collect money that now the balance is {$3900.00} within 1 month. I called and tried to talk to multiple supervisors and they told me there's nothing they can do. I offered to pay the remaining balance right away and for an interest charge of the remaining balance. Instead they said there's nothing they can do and I had to pay a 3x of what my outstanding actually is. They had XXXX cooperation and very little customer help. Again, we are frequent shoppers and have perfect standing with credit and the majority was paid. This promo charge is ridiculous considering what the balance left and Citibank is a complete scam with their lack of communication or heads up to their customers of anything changing. They only called to collect after that large interest charge was put on the bottom line. I will no longer be affiliated with either companies. This is a major disappointment across the board.

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 2021-06-06
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:
There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX I Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 plainly states 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 caused me. My information was also impacted by the Equifax data breach and may have got into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Bridgecrest Acceptance Corporation
State: LA
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 requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX and XXXX  continue to report the unverified debt.

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 2019-11-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX VIOLATED THE AUTO MATIC STAY XXXX XXXX. ALSO, XXXX IS FAILING TO VACATE DEFAULT JUDGEMEMNTS ON FILE, THIS DEFAULT WAS ILLEGALLY GOTTEN BY ATTORNEY CHANGING ADDRESS IN THE MIDDLE OF LAWSUIT AND WAS NOT FURNIAHED FINAL COURT DATE. ALSO, REPORTING JUDGEMEMNTS ON XXXX, THAT IS SUPRESSED BECAUSE OF YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Care Credit account with Synchrony Bank. I did not receive a statement the month before a big promotional purchase was due. I'm very diligent about paying my bills so I did pay it off but I think it is NOT a coincidence that they didn't email me a statement this month. I am bringing it to the attention of a government agency for sake of people who rely on email notifications to pay their bills.

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 2020-02-03
Company: ONEMAIN FINANCE CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for 3 year loan from one main financial. It was advertised as a 3 year loan, and it still is advertised as a 3 year loan. When I signed my contract I was shown that I was signing a 3 loan. I tried to work this out with the company. But the person who was in charge of this. Doesnt work their anymore, I asked for a copy of the contract I signed. The sent me a different contract that was esigned. Thats a different contract than the one that I signed in person. Thats a five year contract thats Im paying back three times than the amount that was borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ENHANCED THEIR LAW OFFICE SETLED THIS MATTER OUTSIDE COURT! ON XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX APPEARED AGAIN ON 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 2020-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was looking for an affordable small business owner that can help drive traffic to my XXXX or XXXX XXXX.I went to XXXX so i can support another small business owner and also to get an affordable services, an amount i can afford.I replied to some post and a few about 4 responded to me.A day or two i got someone who contacted me and said he could do the job, he offer to do retargeting and SEO.He said he will do SEO for {$300.00} and Retargeting for {$600.00} that is a one time payment and if something gets broken he will fix it at no additional cost.The total was {$900.00} I borrowed the money and paid him on theXX/XX/XXXX through XXXX  the sum of {$800.00} and to finish {$100.00} after the job has been done. He asked to be paid through XXXX saying that his XXXX account has problem ( I prefer paypal for all my business transactions ) .From the day he recieve the money is one complaint to another, he wants to transfer my online store to XXXX  or XXXX or he is looking for COVID Kit all day all over the place or he is doing plugins or he don't like XXXX  or he wants my XXXX password to make sure pixels are well connected or the pictures are not good even if we drive traffic to your site no one will buy ... He does nothing on the site, no work done. As nothing was being done i insisted an not moving my site from XXXX  platform and that i know XXXX  is the 5th best ecommerce site and we can change when i have money but for now lets work with XXXX.No tranfer attempt was even made or any work was done just noise on the phone to play over my intelligence. On the XXXX in the morning i increase pressure on him and he said he will run the site and in the afternoon give me feedback on why the site is unhealthy and get the work done. I text him all day till XXXX no reply from him then till today.I never knew someone will register a business to scam people.

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 2019-03-06
Company: CITIBANK, N.A.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I got a MasterCard Credit Card when I moved from Illinois to Kentucky. I got it through SEARS.It was XXXX percent interest. I have not used it for the last 17 months. They told me I had to use it before XX/XX/19.If I  did not use it by then they would drop my credit limit from XXXX XXXX down to XXXX XXXX. This will effect my credit score. If I cancel it it will change my score, if they lower it, the same thing will happen. To me this is BULLING to make me use the card. I am a XXXX XXXX XXXX. I call this BULLING by CITIGROUP BANK. I can not understand how these BANKS can do this stuff to people.I think it is forcing me to use this card, when I do not want to or afford to. CITIGROUP BANK called me, after I put in a complaint the phone # XXXX XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX They did not solve anything. 

XXXX XXXX XXXX, Ky.

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 2020-07-08
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  ; Experian and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-06-05
Company: EQUIFAX, INC.
State: MS
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 have contacted the credit bureaus XXXX Equifax, XXXX, XXXX  XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This information on my credit report is invading my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred XXXX XXXX to coinbase dated XXXX/XXXX/XXXX and the money is still not available as per promised. please help in resolving this. 

email : XXXXXXXXXXXX company : coinbase / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Was not notified of investigation status or results

Complaint:
I initially sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a " Discount Tire '' Credit Card thru Synchrony Bank. I purchased a XXXX XXXX XXXX XXXX. When I lost my job, I contacted them to activate my Plan. Their initial response was a non-response. Then without notification to me, they closed my account and cancelled my 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 monetary relief
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  ; XXXX  and Transunion should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-30
Company: AMERICAN EXPRESS COMPANY
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:
I submitted an online application to American Express XXXX XXXX, and was denied and told to call customer service which I did. 

I was told that because I had had a bankruptcy. 

My XXXX was 13 years ago, well over the XXXX XXXX, and does not appear on my my credit reports. I have successfully applied and received credits cards from several different issuers : XXXX XXXX XXXX XXXX, two from XXXX, XXXX, and XXXX  XXXX ( this last one immediately after I was discriminated against by American Express. ). 

I have a 100 % on time payment history and a XXXX  of over XXXX. 

I explained that it was discriminatory for American Express to single me out. 

Furthermore, I NEVER received a letter explaining why I was declared, which I believe is also illegal.

Company response to consumer: Closed with explanation