BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: NC
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:
Through the XXXX XXXX personal account auto-pay bill payment system I had been paying on my {$25000.00} XXXX XXXX student loan for many, many years. IN XX/XX/XXXXI PAID OFF THE LOAN. I had been paying XXXX XXXX for many years before the loan was sold to Citibank ( when exactly I am unsure ) and in XX/XX/XXXX, Citibank has stated it sold the loan back to XXXX XXXX, as Citibank no longer handled student loans. Unfortunately, I forgot to turn off the auto payments going to Citibank. Thus, in XX/XX/XXXX I contacted XXXX XXXX to alert them of this fact and found that they had record of the payments to both XXXX XXXX and Citibank. Citibank only rejected payments starting in XX/XX/XXXX until XX/XX/XXXX. Citibank received payments all of XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX started receiving money from XXXX XXXX between XX/XX/XXXX until XX/XX/XXXX, without rejections. When I contacted Citibank and XXXX XXXX, both companies stated they had returned the overpayments to XXXX XXXX late XX/XX/XXXX, Citibank did send me two refund checks in the mail, though not stating which months they were crediting. On XX/XX/XXXX I and a representative of XXXX XXXX contacted Citibank ( XXXX ), and proof of overpayments payments were sent to Citibank ( XXXX ), as they requested. As of XX/XX/XXXX no funds have been returned into my XXXX XXXX account from Citibank ( XXXX ) or XXXX XXXX, and I and a XXXX XXXX representative were hung up on when we were speaking to a Citibank ( XXXX ) representative on that day. As well as I can calculate, with {$250.00} being paid each month since the pay-off in XX/XX/XXXX( which exact month I am unsure ), over a five year period, I am owed at the least {$15000.00} and at most {$18000.00} from Citibank and XXXX XXXX combined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: 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 information incorrect

Complaint:
Ive been a victim of identity theft and Equifax a company for months have screwed me and millions over in rates due to wrong credit scores. Equifax has lowered our scores and have not been updating the information on time. This has been a detriment to me as i cant get a decent loan due to what Equifax has failed to report and inaccurately report. I demand a thorough investigation into all 3 credit buraus as they all have wrong information such as reporting dates and credit inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I was recently checking my credit report via a credit card application on my phone. I had noticed a discrepancy a new negative account was opened so I decided to check it out and it said that there was a charge-off / collection flagged on my account for XXXX and now apparently XXXX. The issuer of this flag is State Collections. I noticed that the original alleged the owner was XXXX  XXXX XXXX XXXX. I have since used this very same consumerfinance.gov website to make a complaint about them as well. I tried to verify the debt and it is not matching up with what is listed on my report and what XXXX  XXXX XXXX XXXX  specifically XXXX  XXXX XXXX XXXX in XXXX Illinois stated. They stated that they sold the debt to a collection company ( State Collections ). I have received quite literally nothing whatsoever indicating that I had any debt and this hospital has my current information so I do not understand. The hospital in question had stated that there was allegedly {$150.00} in delinquent co-pays. I tried to work with them to investigate the debt but XXXX  XXXX XXXX XXXX part of XXXX XXXX XXXX XXXX, did not seem interested. On my credit report the alleged debt that they purported to have sold to State Collections is listed as {$90.00}. Not {$150.00} I am wondering if this company now is holding something back and if I dispute this that they will place another flag on my credit. I truly believe this to be a huge misunderstanding as I have not been late on a single debt in my life. Although with all the aforementioned information provided, I did make another CFPB report for XXXX  XXXX XXXX XXXX, and I am to make another about this company State Collection as I believe this listing is invalid and even if it were the alleged amount, the amount is incorrect and they may further damage my credit. I have likewise received absolutely no correspondence, alerts, mail or phone calls from anybody at State Collections about owing this and I am extremely upset about this entire ordeal. I have worked hard to maintain a great credit score and to get it damaged for something that I wasn't aware of or is happening by mistake is horrifying Perhaps there is an accounting error, perhaps sent to wrong address, or perhaps a bad SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: FIRST PORTFOLIO SERVICING 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: Account information incorrect

Complaint:
XXXX XXXX said theyd make a one time exception for the missed payment due to the bank era with XXXX in switching over. It was completely out of my control. 

I am trying to purchase a house and because of this I wont be able to until XX/XX/2022 at earliest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I reached out to Discover customer service on XX/XX/XXXX to understand how my payments were applied considering I had multiple different interest rates via promotional opportunities. 

The agent replied : Minimum goes to the lowest apr ( 0 % ) and the rest of the payment applies to the highest apr. and if the highest apr is paid to {$0.00}, then the payment will go to the next highest apr ( promo 4.99 % that expires soonest, XX/XX/XXXX. 
However, this is not what occurred. On my statement ending on XX/XX/XXXX my balances were as shown below and my minimum payment amount was {$230.00}, due XX/XX/XXXX. 
{$240.00} at 15.49 % {$5200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$3100.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) By the agent 's reply, considering for my statement ending XX/XX/XXXX, and the fact that I made a payment total of {$2300.00}, I should have seen my 0 % balance decrease by {$230.00}, and then my remaining {$2000.00} would have paid the {$240.00} balance completely, and the remaining {$1800.00} would have paid down the 4.99 % APR balance for the promo expiring XX/XX/XXXX. 

On my statement ending XX/XX/XXXX my balances were shown as below and my minimum payment amount is {$210.00}, due XX/XX/XXXX. 
{$200.00} at 15.49 % {$4200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$2900.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) I reached out to Discover to have them explain and all they replied with is : " We usually apply your minimum payment to the balance with the lowest APR. Anything paid over the minimum typically applies to balance with the higher APR. When you have multiple promotional balances at the same rate, payments apply to the balance expiring first. '' I think Discover is not applying my payments correctly so they can collect additional interest. If the logic Discover gave me held true, my XX/XX/XXXX statement should have seen {$230.00} come off of my 0 % balance, and instead, the balance was only reduced {$220.00}. The my highest apr should have been paid completely, but it was only reduced by {$41.00}, and my remaining payment should have applied to the 4.99 % APR with the promo ending XX/XX/XXXX, and that balance was only reduced by {$1000.00}. My balances were only reduced by a total of {$1200.00} ( not including my balance on the other promo offer increased in the amount of {$17.00} ) but I made payments in the total of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
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 recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open :XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX  Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Transunion fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Transunion address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2018-03-21
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX BAN, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX BAN, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX BANs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA XXXX MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA XXXX MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within XXXX business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was hacked and compromised. Alot of charges that i did not make or authorized where on my account. I filed a claim and bank of america denied  my claim. I have experienced alot of fraud issues since banking with them. I tried to explain my card could have been hacked or compromised in the past while paying and swiping my card at the pump at gas stations

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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Billing dispute for services

Complaint:
I Open up XXXX XXXX XXXX credit card account inXX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with XXXX XXXX XXXX and few months later it was denied by them and they marked the card as ' as lost ' and i called XXXX XXXX XXXX and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from XXXX XXXX XXXX and i check my credit score and it went down to XXXX from transunion and i called XXXX XXXX XXXX on the XXXX of XXXX and asked them to email or send a letter to 3 major  credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my transunion  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 2018-07-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2018 I logged into my paid Experian account. Inside I found several information discrepancies. There are versions of my name that are incorrect, one listed SS # is wrong. The website gave me a number to call : XXXX. Using option 3 ( as I have an account with them ) I tried to resolve the issue. All I received was an automated message with it hanging up at the end. There was also no email or chat offered as an alternate for dispute resolution to contact them directly. I'm very disappointed.

Considering that Experian is contracted with the US military in handling credit protection, I'm at a loss as to how poor their services are. My information was compromised in the OPM hack, I have to spend the rest of my life doing due diligence to make sure my information is correct, and/or not compromised. Experian can't even offer me the correct tools to do this, even with a paid account.

The " Dark Web Scanner '' is a raging joke. Considering most dark web information is encrypted through TOR servers, how the heck can they really scan anything? Yet, they still charge people for this service. I frankly think what they promise on this option is fraudulent.

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 2019-04-22
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 disputed a hard inquiry on my credit report with Equifax on XX/XX/19. I had a credit inquiry from XXXX XXXX, and I had not authorized ( explicitly, or implicitly through application for credit/service ) a credit pull by XXXX. Equifax responded on XX/XX/19 that the XXXX inquiry was perfectly valid, and offered me absolutely no additional information about the nature of the inquiry or why they had determined it to be valid. Later on XX/XX/19, I submitted a new complaint with Equifax that they clarify their findings and I initiated a XXXX year fraud alert. On XX/XX/19 I received a bill at my home address for a XXXX mobile account which I had never authorized. Equifax has yet to reply to me from my XX/XX/19 response, despite a promised turnaround of two days. Moreover, given the inquiry was indeed fraudulent, it is unacceptable that Equifax 's review procedures found nothing concerning in the inquiry and failed to provide me with any information regarding why the inquiry had been allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Diverse Funding Associates LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX and DNF Associates LLC in the last few months have persistently threatened me in regards to a debt they claim is due in the amount of {$720.00}. When I contacted the original creditor XXXX XXXX they do not have any documentation of a debt owed and my account was closed in 2014. Also, XXXX XXXX sent me {$98.00} due to money remaining in my closed account back in 2014. The stated collectors are pursuing a false debt and beyond Ohio statue of limitations and violating FDCPA rights for harassment. Said parties stated that they will renew the statue of limitations and file a lawsuit if not paid within 30 days.

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 2018-03-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i paid my lease in full and Ally Financial is reporting a voluntary repossession on my credit. this has damaged my credit score.

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 2019-11-14
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:
This is the 3 time I have have to address this issue on I have had a few issue with account that I do not recognize on my credit report.ITS HAS BEEN PAST 30 DAY AND I WOULD LIKE THE ITEMS LISTED BELOW TO BE REMOVED ASAP. I am refinancing my home when I found the following accounts : XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX  # XXXX**** I  have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: EQUIFAX, INC.
State: MI
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:
I have been trying to get my credit report and I see it hasn't been updated and I need my report update

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CITIBANK, N.A.
State: AZ
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 signed up for Citi 's Safeguard protection service back in 2006 and was mislead on stipulations that are required to file for unemployment benefits in order for them to activate this service. As being unemployed for 4 months now, I've attempted to activate the benefits and was denied due to the fact I was denied unemployment benefits from the State of Arizona. This was never discussed as a requirement upon the initial offering of this service that it is contingent upon being accepted or denied unemployment benefits but was offered as safeguard in the event I was unemployed. I've attempted to just ask for the fee charged to be refunded as I can't utilize their service due to their necessary stipulations to activate it so I cancelled the service due to being misleading on how the service will work when been offered it by Citi via customer service call back in 2006. Citi 's customer service wasn't helpful as they just refer you to their third party agency, Citi Safeguard, when I've attempted to call and escalate the matter to appeal the denial so that I can get the fees back they charged me for a service that doesn't assist when you actually become unemployed. Please be aware of these types of service offerings when offered as they may have hidden stipulations and should be advertised along with service offering in the beginning. Otherwise I would have never signed up for a service that will not assist and deny you when you actually need it to function but they already collected their fees for it and not willing to give it back to customer.

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