BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a CitiCard which has been now been compromised for the 2nd time in 28 months. I received a call on Monday saying they denied a charge in the XXXX for {$45.00} and asked if I'd made a purchase. I said I had not. They said they had to cancel the card and reissue a new one. I said they needed just to block it as we did two+ years ago. I just received a new card at the end of XXXX due to the expiration date. Today I received another call regarding a charge yesterday, also in the XXXX and it's for {$32.00} and some cents. Again they said it had been declined ( card was blocked on Monday ) and that they need to close the account. I informed them that the last time I allowed that many, many years ago, it showed on my credit bureau report for years as just another account which hurts a credit score. They deny that but I know I'm correct. This person, today, then informed me there were FIVE charges in XXXX on XX/XX/XXXX, each for {$45.00} and that I can't dispute these charges because the account has to be closed for that to happen - they can't access a blocked account to dispute charges. Funny that the charges made in XXXX of 2016 have the same scenario and those charges were disputed. Obviously CitiBank is wanting me to open a new card for some reason. The only legitimate charges I've made on this card are " XXXX online '' and " XXXX XXXX  '' online. The pin changes when a new card is issued so it's one of these companies or the company that prepared the replacement card. The only reason I didn't cancel CitiCard years ago is because it hurts a credit rating. XXXX XXXX XXXX (? ) credit card was closed months ago because XXXX XXXX went bankrupt and closed all the stores. If I close this one, it will show up without the explanation. I need help or I need to file a suit against Citi Bank. In 2016 I opened a XXXX Visa account so I could abstain from using Citi. I began to use it to prevent them from closing the account. I'm quite proud of having a credit score of over 800. As a matter of fact, Citi provided this to customers and I believe the last one was 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 2020-02-07
Company: Direct Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Left very aggressive pre recorded voicemail threatening me to call them back before XXXX today or they would have to take further action. Gave no information on the debt they claim I owe, did not give the name of their company. 
Only left a call back number. When I called back I got the name of the company but then was disconnected when I began asking questions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: AZ
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 attempted to submit multiple disputes to equifax they either dont respond or respond over 3 months later. They are inaccurately reporting a collection for XXXX XXXX on my credit that I had removed from my other reports. Equifax is consistently difficult to work with they dont follow the laws for their dispute process. Its so inconvenient to get inaccurate information disputed and removed with them. The company reporting couldnt provide me with documentation to show its my debt and equifax didnt respond to my dispute until months later. They need to remove it from my credit and make their process to submit disputes easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Stephen L. Bruce, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was involved in a car accident in XXXX of XXXX in which I suffered a XXXX XXXX Injury ( XXXX ). I had been reported to a collection agency in Oklahoma ( Stephen L. Bruce XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) dare of first delinquency and also when I missed my my first payment. 2 ) Statute of limitations may not validate the debt. 3 ) Copy of the original signed agreement and balance on the account from zero to present. 4 ) What is the account number of alleged debt? 5 ) When was the last payment made o this debt? 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX and XXXX are trying to collect a debt that is not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with this stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have expressed to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XXXX XXXX ) was being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from severe headaches, panic attacks and have also survived a suicide attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen with the remaining time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Global Lending Services LLC
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 have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: BARCLAYS BANK DELAWARE
State: CA
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 enrolled in a Barclay 's XXXX XXXX XXXX  promo where all purchases on card have 0 % interest made from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I called Barclays to confirm that I could turn off my auto pay and that each purchase I made I didn't owe anything until the 7th month, the rep agreed. I wanted to make sure there was no fine print I was missing. 

On XX/XX/XXXX, I got a voicemail asking me to call Barclays and called into their collections department, I have been a multi year customer with an XXXX credit score. I ended up being on the phone with for almost 2.5 hours, more then 90 minutes holding. 

XXXX the rep I spoke to told me I had a late fee for not making a minimum payment on my most recent Barclays statement. I explained I was under the promo and she told me the terms of the promo are that I must make minimum payment on the card each month for the 7 months of the promo. No where in the promo email they sent me does it say that. 

I escalated this issue the XXXX, a supervisor, fee was waived but only thing I could do was write a complaint letter for my file and I think he said it went to credit score companies.

I spoke to 3 different people that night and offered to email them the promo but was told their systems don't allow that.

I think its very unfair that Barclays can require a minimum monthly payment and not disclose it. It seems like they're trying to make money off the late fees from people who don't notice or that don't spend 2.5 hours on the phone to get a credit. 

I want to make sure the public is safeguarded and not taken advantage of like I was. 

Additionally, I made the minimum payment over the phone XX/XX/XXXX and XXXX alerted me XX/XX/XXXX that my {$75.00} charge to Barclays rejected ( I have a 5 figure credit line with them on card ) I'd appreciate any help you can provide. 
( attached is snapshot of promo email, I can forward originals if helpful )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 attached a list of transactions for review. I paid off my XXXX XXXX credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when XXXX reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and XXXX has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a XXXX XXXX manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely XXXX will remove the late ding on my credit. I also attached what XXXX has reported to XXXX  as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me XXXX points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that XXXX acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.

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 2022-02-20
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Just got this in the mail today and I wan na pay it off. So yall dont send this to me no more cause I dont use trust bank anymore, so when I send this please close the account cause I did already and yall still sent this to me when it wasnt at a negative balance.

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 2020-11-10
Company: AES/PHEAA
State: CA
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:
On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if I continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ 70k- $ 90k. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I feel like I am being sent around in circles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously requested evidence of how you managed the data that you demonstrated in my credit report. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student Loans were originally serviced by Sallie Mae. In XXXX, I filed Chapter XXXX bankruptcy and they were included and they were discharged in XXXX. Now Navient continues to try to collect on the original loans. I have contacted them and they say that I still owe debt. So as result i applied for forebearance. Navient is under federal investigation for this very issue ( trying to collect on debt after it has been discharged through bankruptcy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: CIG FINANCIAL LLC
State: WI
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:
I took out a loan with CIG financials I defaulted on the loan because of loss of work. This was in XXXX Was my last payment They are reporting that I missed payments in XXXX further damaging my credit This is impossible since my last payment was in XXXX I have disputed this with the credit bureau 's and they keep on coming back saying that the information is correct I have also contacted the company with no Avail I would like them to Deleted off my credit For reporting miss information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax in regard to a hard inquiry on my credit from a XXXX, XXXX XXXX XXXX, XXXX MD XXXX. I have informed them that I did not authorize that they are reporting something incorrectly and that since I did not authorize this its is against the FCRA as it was not for employment, credit, insurance or court ordered and I do not know what this is for. They have refused to remove something that I have informed them is incorrect and have put it back on the company that pulled this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Schreiber Law LLC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The credit collection for my XXXX XXXXXXXX credit card account was bought by Schreiber Law LLC- XXXX XXXX Attorney at Law who violated Federal and State Statutes trying to collect a debt by the following : They had me served a false small claims district court complaint veiled as legal legitimate court paperwork without a docket number by a XXXX XXXX XXXX XXXX XXXX XXXX when No such documents were actually filed at XXXX XXXX district court both actions are considered against the law under the unfair debt collection acts in the Maine Revised Statutes Annotated & United States Federal Code via false representation of legal action and the intimidating use of a legal court officer sheriffs deputy by being served papers to intimidate me that werent actually filed with the court and do not have a docket number listed on the forms. The deputy XXXX XXXX who served me papers first left his card on my door Friday XX/XX/2021 noting he was here to serve me civil paperwork as the reason for his visit. I then texted with him 4 times he wouldnt disclose any information over the phone which had me wondering and worrying until i got served by him on monday XX/XX/2021. I have all the false court documents and discovery paperwork with my personal information relating to the account, deputy XXXX XXXX business card with handwritten date and his phone number with text messages as proof of these deceptive and false representation debt collection practice acts and violations of the XXXX and XXXX [ ch 109-A Title 32 Chapter 109A Subchapter 2 section 3 subsection I ] stating the violation of unfair practices by using or employing any officer authorized to serve legal papers in the collection of a claim I also printed out the statutes and highlighted each section that could apply to my unfair and deceptive collection acts violation claim against Schreiber Law LLC located in XXXX, Maine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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:
Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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:
I am upset that my credit file has never been corrected I've already informed you that my report has inaccurate accounts and unverifiable information.

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