BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: DC
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:
I've sent dispute letters to XXXX, XXXX, and Experian and have yet to hear back about the unverified Items on my report. The letters were sent out on XX/XX/2020, and XX/XX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still 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 2021-10-24
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I requested Discover to cease communication of a billing error of nonmailable matter per 39 USC 3001 ( d ) 39 USC 3005 ( a ) ( 3 ) and regarding the sharing of my information with third parties per 15 U.S.C. 1692c ( b ) in accordance to my right of privacy and confidentiality. Discover closed my card account alleging that they received a cease communication notice by me, the consumer, and took it upon themselves to take adverse action to close my account without my consent in violation of Title 15 USC 1692c ( c ) without notifying consumer.

The good faith right to Cease communication does not include closing account without consent of the consumer and further appears to be a deliberate violation of 12 CFR 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not restrict or " close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Discover has not complied with alleged cease communication notice and continues to report consumer credit transactions without my consent to third parties and appears to continue sending nonmailable matter as mail fraud ( see attached USPS mail receipt ).

Discover has refused to reinstate account and continues to harass me indirectly via consumer reporting agencies despite their fraudulent act. There is not one law that states a credit or insurance transaction are required to be reported without consumer consent as expressed by congressional findings 15 U.S.C. 1681 ( a ) ( 2 ) An elaborate mechanism has been developed, ( 3 ) Consumer reporting agencies have assumed a vital role.

Discover has deprived me of my right to credit illegally without 15 U.S. Code 44 documentary evidence and verification ( sworn statement ) as Constitution for United States of America 4th amendment compliance for seizure for property.

I authorize Discover and The Bureau to proceed with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions 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:
I am a victim of identity theft and breach of information. Information from XXXX XXXX appears on my credit report, does not relate to any transactions that I made. It is the result of identity theft and breach of information.

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 2020-04-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently sent in a dispute with Experian asking them to verify the validity of 3 accounts on my credit report as well as some late payments that I had. They refuse to investigate and just saying that it has been verified, but when asked their method of verification that refuse to provide valid proof of the original signed contract. Additionally the same account that was disputed with XXXX  was deleted as they were not about to verify the validity of the account. I have demanded that they reinvestigate and they have continued to refuse to do so.

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 2020-04-27
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank has failed to pay a promised bonus ( {$400.00} ) for opening a checking account. 

XXXX - Opened checking account XXXX - Made final deposit required to reach the {$15000.00} minimum account balance to receive the bonus. 
XXXX - 60 day threshold passes ; Citi then had 90 days to deposit the bonus in accordance with the terms XXXX - Citi sends a letter ( attached ) confirming that I have met the requirements of the terms XXXX - 90 day threshold passes. Citi has not paid the bonus. 

Attempts since to get Citi to honor their end of the agreement have failed.

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 2021-10-24
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: Information belongs to someone else

Complaint:
I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with XXXX  XXXX XXXX  XXXX XXXX I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since Transunion  XXXX and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. Transunion XXXX and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. Transunion XXXX and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable. Transunion XXXX and XXXX failed to properly investigate the information before furnishing the data so a response saying an investigation will be started I will pursue further litigation and Transunion XXXX and XXXX will be held by default to those damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXX, XXXX   XXXX, XXXX   XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2020-11-09
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Navient has reported student loans that I held with them is delinquent during XXXX which is incorrect. I have contacted the company and they stated I need to dispute with the credit bureaus which I have done on 4 separate occasion. I have also submitted documentation of my account from the company 's website showing that the accounts have never been delinquent. As these are federal student loans had they been delinquent additional actions would have been taken by the company. The account shows the following : In XX/XX/XXXX paid as agreed, XX/XX/XXXX 90 days past due, XX/XX/XXXX 120 days past due, XX/XX/XXXX 150 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX no data submitted, XX/XX/XXXX no data submitted, XX/XX/XXXX paid as agreed. This same reporting was done on all 7 of the accounts that I had open at that time with " Dept of Ed/Navient '' Accounts beginning with XXXX. I do not have anywhere else to contact, the bureaus state I must work with the creditor and the creditor states I must work with bureaus. I have been attempting to correct this error for more than 3 years and am at a loss as to what to do next. This issue has cost me several thousands of dollars in increased interest associated with the impact this has had on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My bill was never the right amount for each month, it steady kept going up rather than the amount I signed up for. 
XXXX : XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I  'm on an fixed income and i 'm not able to pay the balance. I keep getting harasst from these two phone companies on a daily basis. 
I was told that my bill would n't be on my credit but it did. 

here is the address from the debt collectors AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CITIBANK, N.A.
State: CT
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:
CITI bank CBNA has done a hard credit inquiry on my credit record without my approval. 

Incident date XX/XX/2021 company involved CITI CARDS/CITIBANK Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( 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 2020-04-27
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient refuses to properly process my Teacher Loan Forgiveness Application. The application is properly filled in and I meet all requirements including : 1. XXXX  at an eligible XXXX  XXXX  2. Being a highly qualified XXXX XXXX XXXX XXXX, or ( only if my XXXX  XXXX  began before XX/XX/ ) a XXXX XXXX XXXX XXXX in a subject area relevant to my academic major ( forgiveness of up to {$5000.00} ). 
3. Being approved and signed off by my XXXX  's Assistant Superintendent of Finance. 

The application was rejected twice for the following reasons. The first rejection was because the assistant superintendent used the date format XXXX. Navient insisted the date format must instead beXX/XX/XXXX. The second rejection was because the assistant superintendent did not include the middle initial of the XXXX  's name ( e.g. " XXXX XXXX XXXX XXXX  '' instead of " XXXX XXXX XXXX XXXX XXXX '' ) even though there is only one such named XXXX  in the city and even state. 

I continue to resubmit the application with each technicality corrected, but new technicalities continue to cause rejections. I have no doubt it will continue to be rejected without just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Receivable Asset Management
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
First communication with company was on XX/XX/XXXX. A voicemail was left on my phone from number XXXX XXXX XXXX XXXX from XXXX XXXX, presenting herself as a case manager from Kramer and Associates, advising she needs mine or my attorney 's statement for a time sensitive matter and left call back number of XXXX XXXX XXXX XXXX, referencing case number # XXXX. I called them back and expressed my frustrations how they are attempting to collect on such an old debt when they know the country is experiencing a pandemic and this whole ploy is just to collect the stimulus money of hard working individuals. When I asked for their corporate address to further express my disdain with their collection tactics, I was hung up on. They blocked my number, and every time I call from my phone XXXX XXXX XXXX XXXX, I get rapid busy signal. Today, XX/XX/XXXX someone from the same number XXXX XXXX XXXX XXXX called me again, and left a voicemail that said " go ahead and serve her with court date '' and disconnected. When I tried calling back I received rapid busy signal once more. I have copies of voicemails if needed. I am not able to save and upload.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-27
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 reviewed my credit report because i've been a victim of identity theft but accounts are still showing on my credit file.

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 2020-11-09
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:
I am a victim of identity theft and breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

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: EQUIFAX, INC.
State: AL
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 still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : US DEPT ED Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: AL
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 still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : 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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 still haven't got any response from the credit bureaus after I sent my dispute letters to them for these accounts : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : 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 2019-06-27
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a business rewards card account for my company in 2012 at the First Citizens Bank branch in XXXX, NC. The purpose of the account was for myself and my employees to pay business expenses and earn rewards. There was a total of nine cards issued in the names of myself and eight of my employees. The total charges have been billed to my company with a master account and were paid promptly each month. The purchases on the cards each month have been substantial since 2012. 

I have received no statements about rewards earned and little information about the account. I recently made a call to the bank 's credit card department to inquire about the total of rewards earned. I was told by that department that only one of my company 's card accounts has earned any rewards at all. The other eight cards have a XXXX rewards balance. I was told that a bank employee had set up the eight accounts incorrectly so as to earn no rewards. I then asked that those accounts be credited with the proper rewards that should have been credited since the inception of the accounts. That request was refused by the bank. I then asked to speak with a manager. I was told that no manager was available and that I should contact the First Citizens branch where the account was opened. I have made three calls to the branch including two voicemails directly to the branch manager. No calls have been returned. 

I have been " stonewalled '' by this First Citizens branch and its manager. My account should have earned several thousand dollars in rewards and there has been no attempt to even discuss the problem or resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In regard to my complaint with CFPB XXXX, the XXXX XXXX XXXX XXXX XXXX inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. Furthermore, I am not present at the address since XX/XX/2019, as I am out of XXXX for my medical treatment. I am enclosing their submitted validation document which is incomplete and in accurate.

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 2021-07-13
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The debt collector pursuant to 15 US Code 1692a ( 6 ) has contacted my by phone and mail with profane language and also stating that I the natural person/consumer allegedly owes a debt which is a violation pursuant to 15 US Code 1692b ( 2 ). Also, violating 15 US Code 1692e ( 2 ) a the character, amount in a positive amount which can not be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2020 I have contacted both XXXX XXXX XXXX and their collection agency The Best Service Company to solve a collection issue that is two years old and I had to find out during a credit check. I noticed that the collection agency has only called me and left a voicemail, I can not recall the dates, and never gave me written notice of debts that are owed nor rights to dispute. XXXX XXXX has stated that I need to go through the collector in order to resolve the debt, but I have not heard anything from the collection agency. I'm also XXXX XXXX military and have noticed a plethora of charges on the account prior to sending to collections.

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