BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
My Macys account, Best Buy account, and XXXX account with Citi bank have all been closed by Citi bank on or about XX/XX/XXXX and XX/XX/XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by citi bank for no reason. I believe the reason they were closed was due to a error on the way fair account, which I tried fixing for over a year with citi bank. This error was correct on XX/XX/XXXX. However, my Macy 's, Best Buy, and XXXX account are still close which continues to affect 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 2017-09-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have contacted Equifax many times by phone and email in the past 2 years to get my credit report accurate and up to date, my call goes to the XXXX because there are apparently no customer service offices in the United States, as a result my phone company also charges me for the calls even though it 's an XXXX prefix! 

My next problem is that when or if they actually do remove something it comes back again and again even though I have already paid it off. They also use two different names for the same company that they say that I owe money to even though I have been making monthly payments for almost 2 years on the account!
I also have at least 9 hard inquiries that I did not authorize and every time I have asked Equifax to remove them because I did n't authorize them they do n't do it! 

There is also an account called XXXXXXXX XXXX XXXX Info that was reported in XXXX of XXXX. It does n't say what it is or anything else, the amount supposedly owed by me is {$1.00}, XXXX. If it 's the tax lien that keeps showing up on my report that I have disputed several times, that was paid off in XXXX of XXXX when I sold my home. I have told them about it again and again and yet it 's still on my credit report! I need to know what this is ... this is very frustrating when you are a very hardworking tax payer and you do everything that you are supposed to do and yet it is n't done right by the people who are supposed to be correcting it! Please help me to get my credits reports corrected in a timely and accurate manner, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( Equifax ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, Equifax, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Instead of help lowering my monthly payment, I was offered forbearance after forbearance instead. When trying to pay on my loan, the website doesnt recognize my user name and after trying to retrieve it via email several times, I never received an email about resetting my user name or password.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dispute letters were sent in XXXX 2021, and I have yet to receive any letters regarding dispute results or updates.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hard Inquires ( inquiry date ) on my credit that I do n't recognize or did n't authorize : XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XXXX XXXX : XX/XX/XXXX 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 explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
- Initiated a withdraw ( via bank wire ) of {$10000.00} USD on XX/XX/XXXX at XXXX. 
- A {$25.00} was wire transfer fee was deducted from the the total. 
- Wire is shown to have been completed, however, as of this writing ( XX/XX/XXXX ), the balance has not been received. 
- Created a support ticket alerting the Coinbase of the issue on XX/XX/XXXX at XXXX PST. 
- Received automated response on XX/XX/XXXX. 
- Follow-up email sent on XX/XX/XXXX.

- Received reply XX/XX/XXXX, but issue not resolved. 
Case : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: VA
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:
Im filing this complaint due to Equifaxs failure to comply with my re-investigation request, as required by law. They did not provide me with any of the investigation documents consumer laws affords me to receive. They also received a copy of my XXXX report which accurately reports these items and still have chosen to ignore the laws and report inaccurate information. All of the attached accounts are inaccurate, misleading and false reporting. It has been almost 90 days and I still have no resolution to this issue. At this point, I am demanding Equifax to cease & desist from reporting these accounts. I demand these items to be immediately removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed this incorrect and unauthorized item appeared in my report. I have already files the proper documentation for this and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

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 2019-04-22
Company: KEYCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was called by Key bank in XX/XX/XXXX stating that my XX/XX/XXXX payment was reversed for some unknown reason and was now 30 days late. I make elcetronic payment from my checking account and have done so without issue or change since XX/XX/XXXX. I contacted my checking financial institution and received verification of payment being made and no reversal of funds being returned to my account. I then faxed this information to Key bank and was told the matter would then be investigated. Made my XX/XX/XXXX payment and it was applied to my alleged XX/XX/XXXX missed payment and continued to receive phone calls and notice with late fees for a missed payment. We i speak to customer service at Key Bank I'm told they are still investigating and I should make payment to bring the account current. I refuse to make any additional payments until they find the money that was already sent to them with proof of receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received XXXX notices today from my various credit card monitoring services that someone opened an account in my name on a SUNDAY EVENING. I contact SYNCB and they said they dont have a record of the request yet I have " XXXX '' emails that say TRANSUNION had a HARD INQUIRY for me yesterday again SUNDAY EVENING. 

XXXX. XXXX, 2019 New Inquiry SYNCB Travel/Entertainment ( XXXX ) XXXX C O XXXX XXXX XXXX O XXXX XXXX XXXX XXXX FL 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 2021-03-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection in XXXX of 2020. Collection was paid in full. A few months pass and I notice another collection for the same/around the same debt popped up. I went through my records and found the original payment receipt. The debt collector is saying this has not been paid, but my records show otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a letter from Bank of America that i was approved for a new credit card- with a limit of $ XXXX that I never applied for - I called them and shut it down. 
XXXX noted a change of address in my file to a new address in CA that does NOT belong to me. 
XXXX also told me someone was trying to access my XXXX XXXX And XXXX XXXX XXXX XXXX XXXX through XXXX XXXXXXXX and change the address

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 2022-01-13
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have advised of these errors previosly. 
I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX  Acct # XXXX Closed Account XXXX Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 1681 I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion Credit Bureau is reporting inaccurate information on XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I transferred my balance to another account. On XX/XX/XXXX I noticed I still had a balance. So that day I called XXXX XXXX and they said I had to pay {$45.00} for left over interest and to close the account. I payed the {$45.00} on XX/XX/XXXX. They reassured me the account would be closed following this payment. Now XX/XX/XXXX, I received an email that my XXXX  Account statement is ready. I logged into my XXXX XXXX account and it says I owe {$5.00}. This means my account was never closed and their still charging interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dispute letters were sent in XXXX 2021, and I have yet to receive any letters regarding dispute results or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 opened a student loan in XXXX 2013 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$6900.00}????

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 2017-07-31
Company: AES/PHEAA
State: NY
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:
Was given misinformation repeatedly about the status of my IBR, application submitted in XX/XX/XXXX ( while tax retrieval tool was down ). Was not notified of need for supplemental documentation. Was told by representatives there was no record of IBR application from XX/XX/XXXX. Called multiple times and spoke with representatives not knowledgeable about the ibr application process, who provided misinformation. On XX/XX/XXXX was told to reapply ( the website at fedloan was down all weekend ) and that there was " plenty of time '' to do so before expiration of current low payments per IBR. Four days after this conversation with this representative ( who encouraged me to take time, as there was " plenty of time '' until the next payment due date, and that a new IBR was necessary due to no record from XX/XX/XXXX ), I was sent notification that the XX/XX/XXXX IBR was expired that day due to nonreceipt of tax information. Called again, and was told not to worry, that the IBR was received and would be applied to the next upcoming payment. Then received notification that my XX/XX/XXXX IBR was processed, approved, but would not be applied to XX/XX/XXXX 's payment. Called company to complain about misinformation provided by employees, about an IBR from XX/XX/XXXX, and if I had been allowed to submit tax information for this request, my IBR would have been applied for XX/XX/XXXX and not XX/XX/XXXX. Employees tried to tell me my only option was forbearance, and other costly options which would include capitalization of my loans. Manager would not honor the most recently approved IBR payment amount for XX/XX/XXXX, was rude, raised her voice, and continued to argue that there was no misconduct on their part and that she would provide " more training '' to employees who gave false information. All I asked for was for them to apply the most recent IBR to the next upcoming payment due. This was something they said they could n't do, even though other servicers had done his in the past to correct employee mistakes. Instead of not being able to fix this, they are simply choosing not to. So, they 're simply going to educate their employees, but I have to for over almost {$900.00} of payments I can not afford at this time due to temporary unemployment. This is fraudulent, unethical, and predatory. I feel they are purposefully doing this to steer me towards more expensive options which include capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
Through all of this, it has been a struggle, so I am making this CFPB complaint to ask the credit reporting agencies to totally remove the disputed fraudulent accounts and information from my credit file. How often must I inform the credit bureaus that I was a victim of identity theft and that the accounts I am disputing were the outcome of this crime? I have been requesting from the credit bureaus the removal of the disputed items in order to repair my credit file and the sending of copies of the verification documents in the event that the credit bureaus assert that the disputed items are mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been sending letters of disagreement to the credit bureaus, along with entire identification proof documents and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting companies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation