BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: CITIBANK, N.A.
State: AZ
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:
Step 1 : What is this complaint about? Need to take Citi off my credit report.

Step 2 : What type of problem are you having? Closed account but showing up on XXXX.

Step 3 : What happened? Still appearing on credit report.

Step 4 : What company is this complaint about? Citibank Step 5 : Who are the people involved? Citibank Info : CBNA XXXX {$0.00} {$5000.00} 0 % Revolving Current XX/XX/2016 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
REFERENCE CASE # XXXX Or. Case # XXXX I received the reply from Bank of America but they could do XXXX help me out to recall my money {$8600.00} since it was done by Fraud and Scammed by the recipient, XXXX XXXX XXXX XXXX, which eventually lead me to report this to the local enforcement and the FBI in town here in XXXX XXXX, and I was physically had an appointment to show the FBI the proofs and adviced me to have the bank assist me to contact the other Bank XXXX XXXX in XXXX to investigate the money laundering by the recipient Account # XXXX, XXXX. Bank ID, XXXX. The BANK OF AMERICA MUST ASK TO SOME PROOF FROM THE RECEPIENT BANK TO INVESTIGATE THE ACCOUNT HOLDER ACCOUNT ABOUT THE NATURE OF MONEY AND TELL THEM THAT THE SENDER WAS A VICTIM OF FRAUD AND I STRONGLY REQUEST TO RECALL MY MONEY {$8600.00}. 
I AM LOOKING FORWARD TO HEARING GOOD RESULTS TO THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
I have pay this account to the colection company for a lower amount, but still show the original balance and open, also is duplicate from the orignal owner the credit card bank, and from the colection company. XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$0.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You 've paid off 100 % of your collection amount. 
Balance {$0.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 

You could dispute an error with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection company named Kansas Counselors has reported three collection accounts on my credit report. They were supposed to supply me with a notice of my right to dispute, prior to putting these accounts on my credit report. However, they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Branch mgr hung up on me when I called for balance to be mailed to me because my account is blocked and I have been requesting stops but bank dies nothing continually. I request my balance and all statements which should be {$4000.00} but bank refused. I am refused online access, I am refused my statements. I am refused my money. XXXX branch Manager is upset and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: Experian Information Solutions 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:
I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.

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 2019-01-23
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter dated XX/XX/2018 to Way Point Resource Group for Validation of the alleged debt that mysteriously appeared on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation. The request was not adhered to they never responded to my letter and Way Point Resource Group continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company I don't even know who they are. Way Point Resource Group have reported the information to the credit bureaus that I am asking to be deleted. The account does not belong to me. I opened a identity theft complaint with the credit Bureaus on XX/XX/XXXX and since the identity theft complaint, I have not received an update from Way Point Resource Group. The only update I have received was from my investigation results with XXXX  that the account was deleted from their bureau but the other Bureaus continue to report on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Because of the COVID pandemic Californians have XXXX XXXX protections in place that are supposed to prevent creditors from reporting late payments. 

XXXX XXXX XXXXXXXX # credit-score No credit score changes Available to all Californians Automatically prevents late or missing payment info from being shared with credit reporting agencies This protection is available without any action on your part. 

Well, XXXX XXXX  and XXXX XXXX both reported late payments. I have tried disputing these with the Credit Reporting Agency and have had no luck getting them removed. I already previously filed complaints against XXXX XXXX  and XXXX but they have done nothing to help ( going as far as outright refusing to remove stuff even when other creditors did ).

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 2019-01-23
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
I disputed this account with Toyota on XX/XX/2019 via certified mail. In the dispute I called out under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) - stating that the accuracy of the information that Toyota is reporting is inaccurate and does not align across all the 3 credit bureaus. I asked for an investigation and asked for EVIDENTIARY DOCUMENTATION that substantiates the information they are reporting to the credit bureaus on my file. 

dated XX/XX/2019 I received a response from Toyota stating that the account was being reported correctly. clearly not even looking at the documents and proof that I have submitted with the dispute. Nor did they provide me with the documentation I requested showing that the info being reported in accurate or any documentation bearing my signature there are still multiple discrepancies being reported differently across the 3 credit bureaus ; including date account opened, date of 1st delinquency, date of last payment, repossession reporting and multiple late reportings that I have mentioned in the previous dispute. attached is the copy of my credit reports to prove again. 

This is my last goodwill attempt to have this matter cleared up by Toyota. The item being reported is entirely inaccurate and incomplete and represents a serious matter in the way this company is reporting.

I am formally requesting again, ALL EVIDENTIARY DOCUMENTATION that proves what you are reporting on my credit file.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the FCRA, along with corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called my phone repeatedly, and right after called my MOTHERS PERSONAL CELL PHONE. And my ex boyfriends PERSONAL CELL PHONE. They were both right next to me and It was the exact same number calling and neither one of them are my spouse. UNFAIR ACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Consumer Financial Bureau Compalint against XXXX XXXX. 

We used care credit for a patient XXXX XXXX. His " uncle '' XXXX XXXX had the care credit account. When we printed the form we found out that XXXX XXXX was not authorized to sign. We contact XXXX XXXX and he was added to the account my XXXX XXXX. On XX/XX/XXXX we called and spoke to care credit and it was verified that XXXX XXXX was authorized to sign the form. 

Sometime in XXXX XXXX XXXX and XXXX XXXX had a falling out and XXXX XXXX complained this was a fradulent charge which is not true. XXXX XXXX called care credit to state this. Phone calls were recorded. Care credit now state because the form was printed on XX/XX/XXXX and not reprinted on XX/XX/XXXX that XXXX could not sign. They could have informed us in advance of the need to reprint the form. They tried to remove the funds from XXXX XXXX XXXX a XXXX XXXX Corporation which we have protested. 

When they could not get the funds they proceeded to try and debit a different corporation XXXX XXXX XXXX XXXX, XXXX a XXXX XXXX corporation. This would seem to violate banking laws to take money from one coroporation to pay disputed funds of another. This crosses state lines as well. 

XXXX XXXX uses these predatory practices against the merchants. They should honor the payment and be subjected to fines and investigation for the cross corporate attempt theft. 
Also many phone calls etc

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 2019-01-23
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: Information belongs to someone else

Complaint:
I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX  XXXX-XXXX, XXXX XXXX   XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.

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 2019-01-23
Company: Navient Solutions, LLC.
State: WA
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 hold a student loan that was originally serviced through Sallie May, this loan however was transferred to Navient 2014. When this loan was taken over by Navient I was denied public student loan forgiveness which I was insured through the Sallie May loan. Formerly I was on an income driven repayment plan, however was not notified of my yearly obligation to re-certify my income. Without notice I was removed from the income driven repayment plan, I was further denied an income driven repayment plan and my student loan payments are unmanageable as the payment has increased to more than is affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank is charging overdraft fees erronously and instead of fixing the problem they are sending me back to the branch. 

I initially had an overdrawn account but went into the branch and made a deposit to bring my account positive. I have included the reciept that shows I had a positive account, later that night i get a email saying i have overdraft fees. When I call to address the fees XXXX the supervisor directs me to go back to the branch to rectify the problem. 

Overdrawn -XXXX made deposit of {$460.00} in branch made 2 additional deposits of {$20.00} each Bringing balance to {$27.00} then around XXXX i recieve notice of overdraft and nobody can explain how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Navient Solutions, LLC.
State: CA
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:
I attended XXXX College in 2008. XXXX College applied for loans on my behalf and at that time I did not understand the terms and conditions. XXXX College promised me a job in the field of XXXX XXXX, which I have never received. Upon completing the program I have been receiving bills in the mail from the loan company Navient for the past 10 years. XXXX College is known as a predatory lending scheme that I was a victim of and because of this deception XXXX College has taken a traumatic toll on my life. For the past 10 years, it is still affecting my credit and furthering my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: JPMORGAN CHASE & CO.
State: NJ
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 used my Chase Sapphire Preferred Visa to purchase a costume from a merchant on XXXX. The costume was supposed to be a custom costume in the shape of a cup of coffee. The merchant was told 1 ) The lid of the cup needed to be XXXX XXXX 2 ) We wanted the electric fan installed as advertised and 3 ) Specific logo. During the process, the merchant had 1 ) Made the lid XXXX instead of XXXX  without authorization 2 ) Did not include an electric fan as advertised and 3 ) Put the logo on the costume crooked. When we asked them to fix it or give us a refund, the merchant refused to give us a refund or remake the costume. Their only option was to ship the costume as is. They forced me to " confirm '' prior to shipping. I only " confirmed '' that they would either send me the incorrectly made costume or keep the costume and the money. When I disputed this with the credit card issuer, they said that because I said " I confirm '' that no recourse is available to me. All in all, I lost {$400.00} on an improperly made costume that was supposed to have purchase protection by the card issuer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: PA
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:
What the XXXX is going on? I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Companies refuse to remove account that was opened before I turned 18. This account is has not legal standing on my credit report as I was well below 18 when the XXXX/XXXX  account was opened and not able to give my legal consent. The companies also refuse to remove collections that are in no way related to me or have any legal standing accounts are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company name is Portfolio Recovery Associates. They call me Monday - Sunday about 5 to 9 times per day. They called me today,  Sunday, at XXXX XXXX. They have also called my husband who has nothing to do with what I have to pay. I have sent them letters requesting more information and they have not replied back. They are extremely rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: CITIBANK, N.A.
State: CA
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:
I have a {$10000.00} Credit limit with Citi Costco card. I used the card more than usual this past month to purchase material for a remodel as well as a large doctor bill. Since I was reaching my credit limit, I made 3 payments, one on XX/XX/XXXX ( {$3400.00} ), one on XX/XX/XXXX ( {$1300.00} ) and on XX/XX/XXXX ( {$8800.00} ). I could have waited until my billing due date but instead I thought I was doing a good thing by paying my balance off. Instead they have locked my account out for 12 days as punishment for making multiple payments in one month! I am shocked & dismayed that making multiple payments in one month to pay my balance off is a negative in their minds. I can not use my card until XX/XX/XXXX & it has caused a hardship for me. Additionally even though I have a credit score of XXXX and no outstanding balance on any credit card, they refused to increase my credit line either. They lied & said I have too much balance, I have none!

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