BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My total monthly amount to pay NAVIENT is {$870.00}. This is a combination of federal and private loans. I only make {$46000.00} per year. My monthly GROSS income is {$3900.00}. They are requiring me to pay more than 20 % of my monthly income. I have asked several times, including today XX/XX/2018, for lower payments. They have repeatedly denied me and said there was nothing they could do. I have also tried refinancing through XXXX, XXXX XXXX, and other lenders just to get denied because of how much I owe in relation to how much I make. My credit score has dropped from XXXX to XXXX due to not being able to keep up with other payments. Please stop these companies from robbing us of our hard earned money! The decision to go to college is not benefiting me at this point. I can not buy a house, go on vacation, and just live my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is with Citi Accelerate High-Yield Savings Leveled Bonus Offer ( https : //banking.citi.com/cbol/22/Q3_2/r2c/HYSA/default.htm ) When opening this Citi account in XX/XX/XXXX, it was advised that there will be a {$450.00} Cash bonus credit to the account if we put $ XXXX deposit within 20 days after opening and then keep that balance for 60 days. Received email confirmation from Citi about the term and eligibility. I've followed the steps but no credit showed up after waiting for 90 days specified in the term so called Citi support, was told that I should just wait for the credit as it takes time to show up. XXXX of the customer support checked my account and confirmed that I did all my part and should be receiving this cash bonus. An inquiry was logged on XX/XX/XXXX and I was promised to hear back from Citi. Cti customer support issued a XXXX time credit of {$150.00} ( not {$450.00} ) on XX/XX/XXXX but on XX/XX/XXXX this credit was taken back while I still haven not got any update on the inquiry. It has been more than a month of wait since the inquiry was created. On the call I was promised to hear back from Citi within 7 days since XXXX. Overall I have called at 8+ times on this issue and had to go through long wait on the line but there was no progress. 
Now I've lost my confidence with Citi and will be closing this saving account after I finish transferring the fund to my other bank.

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 2021-04-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Belk credit card which I have used in frequently over the years now has a balance of {$1600.00} I opted for paperless billing I also opted for auto pay each month. When I call the company to find out why my bill was {$1600.00} I was told I needed to be transferred to another department or call another number that belong to a company called Card Services. I contacted someone at that number and spoke to a person that told me I was being billed every month for a service that I did not know about nor did I agree to apparently this occurred in XXXX. When I explained the situation to the representative and told her I was not aware of this service and did not agree to it she was able to extend a credit to my account of {$300.00}. When I told her there was no way I was going to pay for something I was not aware of according to the company that was billing me on my bill credit card this service included some sort of reimbursement if you should become unemployed. I became unemployed in XXXX if I was aware of this service I certainly would have looked into it and possibly used it. The representative I spoke to told me that was the highest amount she was allowed to credit me in order for me to get reimbursed for the other charges my keys would have to be escalated and sent to an escalation team. I was informed that someone would be in touch with me within seven days which did not happen. I also informed the representative that the charges needed to stop in mediately This was in XX/XX/XXXX I have called several times every month trying to speak to someone and was promised someone will get back to me. I am a senior citizen living on a fixed income at this time I can not pay these charges that I did not know about nor did I ask for I dont know how to proceed at this point. I am requesting guidance or suggestions on how to proceed to resolve this this will ruin my credit because I can not continue to pay. 
I have never spoken to anyone at Card Services regarding this supposed benefit.

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 2018-11-26
Company: Experian Information Solutions Inc.
State: VA
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 a freeze in place, and a fraud alert. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.

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 2019-07-18
Company: CITIBANK, N.A.
State: TX
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:
Citibank has allowed numerous fraudulent applications to be submitted in my name which ultimately resulted in Fraudulent Credit Cards being opened with the bank that I didn't receive nor authorize. 

There was a double cash card that was reported to the bank as Identity theft, I did not open this card in 2018. This was also reported to the credit bureaus and citibank did nothing about it. 
Secondly there was an AADvantage Platinum Mastercard that was opened in 2018. Not only was this opened fraudulently and not authorized, Citibank was also advised of this and had an Identity Theft case opened on this card and nothing was done to resolve this. They attempt to say that I owe them a balance of {$12000.00} which I do not because this account was opened from a thief and I never received it. 
I have not opened any credit cards with citibank and the payments that were made to the cards were also fraudulent from a bank account opened by the thief. 

I only have a few accounts with citibank and these are Lines of Credit. I do not have any credit cards with citibank and I did not submit multiple applications. Yet, any time I do actually even think about attempting to apply for a card I am told I can't because not only do those fraudulent cards impact my internal citi relationship, they also sent me letters advising they were identity theft and never did anything about it. So not only does it discriminate and not let me apply for anything because they flagged multiple applications it also has a bad internal risk score because of the fraud.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 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 2021-07-13
Company: Experian Information Solutions Inc.
State: GA
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 sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX & XXXX XXXX XXXX Account # : XXXX XXXX Account 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 2021-11-24
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Contacting the Equifax XXXX requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX C XXXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Receivables Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been trying to collect the debt from me despite XXXX XXXX submitting a debt to them in error. XXXX has already confirmed that they have retracted the account related to me that they had filed with them ( in error ). The Maryland Attorney Generals Office has been investigating this case for some time, and this company has ignored this aspect of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Midwest Fidelity Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX   XXXX  contacted my employer and called my place of employment. I do not know what the call is in regards to. She needs to cease all calls to my employer for they are not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: LEXISNEXIS
State: AL
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:
LexisNexis has not taken the necessary steps to correct information given to XXXX XXXX about an accident I was involved in on XX/XX/XXXX. The report has it listed as an At Fault Accident although it was not. The accident report taken by the police states that the other driver admitted he swerved in front of me causing me to hit his vehicle. Also, the claims representative that handled the claim agreed that it was NOT an At Fault accident yet, LexisNexis, XXXX, etc. has it listed as such. Again with another accident on XX/XX/XXXX, which was weather related, is also listed as an At Fault accident. My insurance quotes and rates have been ridiculously expensive averaging around $ 400/mo. because this issue has not been corrected or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: UNITED STUDENT LOAN SOLUTIONS
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted my student loan agency, XXXX and informed them I was a XXXX. As a result I do not have an income. XXXX switched me to United Student Loan people rather than providing me with an application for income based repayment. United Student loan has used unfair practices to obtain information about me. They are withdrawing monies from my account despite my request for income based repayment. United Student loan is taking money from me despite XXXX informing me of my forbearance. United Student loan is running a scam, in my opinion. United Student Loan has created a hardship for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Reliable Credit Association, Inc.
State: WA
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 paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX XXXX. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Account information incorrect

Complaint:
Transunion posted Re-Age collections that does not show last payment. I need ti know the last payment maded in all collections. Its nit fair to list these account without showing.

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 2021-05-22
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from my bank about negative activity on my credit report. I had already placed a security freeze with all three bureaus after the XXXX  data breach, so I was surprised to get this notice. I checked my credit report and saw a new account under collections for Credit Management LP on behalf of XXXX XXXX for {$300.00} past due. I have not used any services from XXXX since I was in college and I never missed any payments then. I did not receive any written notice or phone call from either XXXX or this company about the alleged debt. I called XXXX and they have no current record of me having an account related to this. This debt collection agency seems fraudulent and Ive initiated a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am a PayPal customer. My email is : XXXX On XX/XX/XXXX, I received an email stating that I can no longer use PayPal. No specific reason was given. After a review, we decided to permanently limit your account as we found potential risk associated with it. 

I was quite surprised because I have never had any issue with my paypal account. I checked the terms of service / service agreement and can not find any action the would constitute a violation. 

I called paypal customer service that day. The agent who took my call looked at my account and agreed that nothing at all in my transactions looked suspicious. He put in a request to have my account get a second review, as he thought this may have been a mistake. The ticket number on that is : XXXX. I have not since been contacted by anyone at PayPal about my issue. 

Since your email informing me that I can no longer use PayPal does not specify the reason why you believe there is a potential risk, I can not address the issue. But I can say that I have never had any problem with my PayPal usage. I can only guess that perhaps my usage internationally caused a concern. However PayPals own website promotes and encourages international usage. From your web page : We get where youre coming from. 
We are available in more than 200 countries/regions and support 25 currencies. Send and receive payments easily over borders and language barriers. Were here for you, wherever you are. 

I am XXXX XXXX XXXX and after retiring last year I am now able to fulfill my retirement dreams of traveling. Ive used paypal to pay merchants accepting paypal for such typical travel needs as airline tickets, airport car service, and internet access providers. Both countries Ive used PayPal in are listed as accepted countries on your website : ( XXXX and XXXX ). Ive never had a dispute with any merchant, never asked for a refund, never violated any conditions of use. 

I find PayPal to be my preferred method of payment for merchants who accept PayPal because it is convenient, safe and secure. 

What have I done wrong to have my account limited and not longer able to use your service? 

I would like very much to have the limit on my account removed so I can continue to use PayPal to pay for services. I assure you that I have done nothing wrong and my usage poses absolutely not risk at all. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureau 's are reporting a Chapt XXXX dismissed bankruptcy and I have been informed by the courts that they DO NOT verify a bankruptcy. This means that they pulled that information from a third-party reporting agency, therefore, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: JPMORGAN CHASE & CO.
State: OR
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 contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX  on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.

Company response to consumer: Closed with explanation