BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
It was announced that Citibank would no longer be a Co-branded card for the XXXX XXXX chain. As soon as this was announced last year, I called Citibank. I continued to call Citibank and discuss the issue and concern I had. 

In XX/XX/XXXX, I was informed from Citibank that the card was being turned over to XXXX. XXXX also sent me a similar notice. I do not want an XXXX card. I want to stay a Citi customer. 

I called Citi to convert the card from a XXXX co-branded to another product in XXXX. They said I could n't convert it and no further info. I called again in XXXX. They said they could n't convert the card, but if I called back on or after XX/XX/XXXX, I could convert the card and stay a Citi customer. 

I called Citi today ( XX/XX/XXXX) and they inform me that they can not convert the card. I have no choice but to accept a new XXXX account. 

How do I, as a consumer, have no control with what happens to my account? An account in good standing, with a high limit, and no balance? An account that regularly sees $ XXXX in yearly spend? Citibank does n't want to keep that business?!?

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 2018-01-01
Company: Diversified Consultants, Inc.
State: TX
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:
I have been dealing with Diversified Consultants damaging my credit and have tried to get this removed to no avail. I started researching and found that they were denied insurance by the state of Texas and therefore not licensed to collect in the state of Texas. Therefore not only are they damaging my credit and life but they are doing so illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
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 work for ID Experts, an identity theft protection and repair service, and we are serving as Power of attorney for XXXX XXXX. 

I have sent disputes to HSBC on XX/XX/2019 and on XX/XX/2019 by mail to two different addresses. The disputes included all necessary documents. Power of attorney, FTC ID theft affidavit, copies of drivers license, social security card, proof of address, and police report. 

I have sent the same items to XXXX on XX/XX/2019 and XX/XX/2019, both times I was very specific in requesting the deletion of the HSBC account and inquiry as it is a result of identity theft. 

As of XX/XX/2019 the account remains on the XXXX credit report. 

This is a regularly occurring issue and both HSBC and XXXX are regular violators.

In addition to this, when trying to call HSBC, I waited on hold for their fraud department for 89.8 minutes. I finally gave up and called their main customer service number and waited for an additional 43.5 minutes. The fax machine that was listed on their website does not go to a fax machine at all, it was a recorded greeting for HSBC so it is apparently a voice line. This number has since been removed from their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: SC
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 sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2020-11-11
Company: EQUIFAX, INC.
State: KY
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 attempted multiple disputes with Equifax to have 4 accounts on old student loans remove from my report. Per the Department of Education loan rehabilitation program, upon completion, the old loans were to be removed from my report and the new holder of my loans replaced it. I have sent the letter to Equifax on 3 separate occasions asking for the accounts to be removed and they have not complied. 
It is ILLEGAL for Equifax to continue to report these accounts! I have enclosed a copy of the letter from the Department of Education instructing that the previous loans be removed from my report. Equifax claims to have " verified '' the accuracy of these loans, but this is not possible as other bureaus have already removed the accounts and there is proof that they have been instructed to remove the accounts by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX  Data Breach Settlement given to me by XXXX  credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.

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 2022-02-11
Company: EQUIFAX, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2014 {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}. XXXX : 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 2017-07-13
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Around 2013 I got into IBR with XXXX XXXX at that time. The person who set up my loan repayment said that because of my income I would not have to pay anything. Immediately that changed. I received coupons in the mail telling me I had to pay about XXXX bucks a month. The next year the payments went to about XXXX/mo. My INCOME had gone down. So why were my payments going up? Then after paying for about 2 years I received notice that my loan payment would DOUBLE the next year to about XXXX/mo, after that it would go to XXXX/mo. How is this possible under IBR? When I called to discuss this with the company who had then become " Navient '' they gave me a run around that I was no longer in IBR since it was no longer available and that I had to get into a new plan. The woman on the phone was very nasty to me with this information. Since then I have received over 100 phone calls from them from different numbers every time and sometimes they use my old area code to call me trying to get me to answer them, I do n't. This is not because I do n't want to make some kind of arrangement but because I read on forum posts constantly about these tactics and that they even have you pay then say you never paid and put you in default. Now i go to the Navient website and it says I have a XXXX balance and that my loan was paid off by XXXX XXXX. When I try to call XXXX XXXX directly using numbers found on the internet I get Navient on the phone, or some other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
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: Information is missing that should be on the report

Complaint:
I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 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 2021-08-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I initiated a Identity theft complaint on XX/XX/2021 to all 3 Bureaus and attached police report, drivers license and proof of address. 

Equifax is the only bureau that has not deleted the unauthorized inquiries..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Regarding past complaint XXXX IC Systems in that complaint acknowledged they have no lawful claim of collection and stated they would cease and desist all contact and all claims of collection, as they are unable to validate any claims. IC Systems has instead opened a credit account against the complainant in an attempt to damage complainants credit for a debt which they are not owned. IC Systems has has no agreement to future services, the debt in question is past the lawful statute of limitations having claimed origination in XX/XX/2017, and IC Systems has already conceded that even during that time they had no lawful claim for collection.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I'll have made repeated attempts to have this collection removed from my account. It is illegal and was a debt that was previously discharged in bankruptcy. This company has intentionally affected my credit to get {$700.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I, XXXX XXXX Noticed all my accounts from 2020 was showing late payments and other negative remarks on TransUnion credit report. 

I sent TransUnion an Affidavit signed and Notarized ( XX/XX/XXXX ) showing them the law below. 

I am sure Late payments 2020 should all reflect up to date pursuant to The Coronavirus Aid, Relief, and Economic Security Act based by Congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 )

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 2022-02-11
Company: Bread Financial Holdings, 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: Problem with personal statement of dispute

Complaint:
I have an account with comenity XXXX, the company closed the account XX/XX/XXXX, so paying my account off by making payments on XX/XX/XXXX was my do date I was late, trying get the money together to pay the account off and that what I did I received a late payment fee which I knew that going to happen, so I call to ask if they would remove it because I wouldn't and can not pay for the late fee, the balance was XXXX and that's what paid because I know I would not the money to keep making payments so paid the balance they told since my account was close they couldn't remove late fee but they can add interest on the late fee and add a late fee for a none pay on the late fee just want to move on I don't have to paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: WELLS FARGO & COMPANY
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that this inquiry be immediately deleted from the credit file that you maintain under my Social Security number. Also I want to remind you that this inquiry is 2 years 1 month old. It should be removed from my credit reports.

WF CRD SVC Inquired on XX/XX/2019

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 2022-02-11
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account under my name was opened with PNC Bank. Also possibly XXXX XXXX. sometime in XXXX. Came to my attention on an XXXX report. Was reported to PNC and XXXX and XXXX XXXX. Also many attempts for credit info from various institutions. I have a credit lock placed on XXXX and XXXX. XXXX I have been. 
unable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: AZ
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 was part of the Equifax credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXX I received a copy of my credit report. On that report was a collections from XXXX XXXX XXXX XXXX XXXX. I notified XXXX I was never given written notice to dispute this debut. On XXXX I wrote a letter asking for XXXX XXXX XXXX to supply me with the following information : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent I was not mailed the required information for validation of this debut per my request. This company isnt authorized to collect in my state. This company has violated my federal rights on several occasions and isnt above the law. 

XXXX is reporting this as verified, but hasnt sent me the information used to validate this debut. This debut isnt mine. Its been over 30 days without validation.

Company response to consumer: Closed with explanation