BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: Sequium Asset Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received three calls on XX/XX/2018 they all say UNKNOWN NAME XXXX, MD. A message was left for me saying this is an attempt to collect a debt. They have been calling me for weeks and never left a message until yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: SUNTRUST BANKS, INC.
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, Chexsystems reports also i have already made report at XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Suntrust Bank Dba XXXX Inquiry from XX/XX/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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I got this secured credit card. I had some legal issues and was unable to pay it. Once I got back on my feet In XX/XX/XXXX I called XXXX XXXX to get the account fixed. The person I spoke to said they would delete it from my credit report if I paid. I paid the full amount, I did not try and pay less. Now Its still on my XXXX report a year later and its the only thing thats really impacting my score. I have tried repeatedly to get them to delete it and they refused yet I did what we agreed on the phone. They also kept all money that was used to secure the initial credit line. 

It's also effecting my ability to get other XXXX XXXX cards as I now have a 680-720 credit score ( lower is because of this )

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 2019-05-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase closed my account due to an error where they allowed XXXX XXXX to overcharge me. I paid off the balance as of XX/XX/XXXX. The entire balance was paid in full as per the the phone attendant I spoke with. I asked what the entire balance was and I paid it. 2 months later they are asking for more money. This is ridiculous. This company is a thorn in my side and its non stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: Experian Information Solutions 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:
TOLD COMPANY NEVER OPEN A STUDENT LOAN EMAIL AND CALL FOR PROOF OF DOCUMENT NOTHING WAS DONE

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 2021-09-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX I Called IC System after being notified by XXXX XXXX that my score fell 60 points due to their inaccurate reporting on my credit report stating i ower {$230.00}. This is the second time Spectrum has attempted to collect this fraudulent account from me. The first collection attempt was removed from my credit file in XXXX after writing numerous letters to spectrum asking for Validation of this account and telling them this was a fraudulent account. 

I have been requesting for IC System to submit validation of this account since XX/XX/XXXX. I have sent 2 letters by mail and no one has replied back to me. 

I have since placed my account of fraudulent watch with all 3 credit agencies

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 2018-08-13
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Friday, XX/XX/XXXX I submitted a request to pay off my Navient student loan in the amount of {$4000.00}. In their website under the recent payment section, it showed a payment in the amount of {$4000.00} in pending status. At that point, I decided to cancel the recurring payment I had set up to make regular payments. Since the loan would be paid off, I did not want Navient to continue drafting my regular payment. Once I cancelled the regular payment, I checked the recent payment section, and my pending payment of {$4000.00} was no longer visible. Like a reasonable person, I assumed that when I cancelled the recurring payment, the pending payment must have also been cancelled, since it was no longer visible, so I submitted another payment in the amount of {$4000.00} to reset-up that payment that appeared to be cancelled on the Navient website. On Monday, XX/XX/2018, my checking account was drafted twice for a total of {$8000.00}. Navient apparently had not cancelled the initial payment, but has deceptively removed the pending payment from visibility. When I called to try to get the {$4000.00} back, I was told that it would need to do to investigation and that I would need to submit bank statements showing that my account was drafted twice. This process would take 10 business days. Navient can see that they got the money twice. I know they have ACH records that show that the money came out of the same account twice. Additionally, Navient can take my money within one business day, but when asked to return money that did not rightfully belong to them, I was told the process would take at least 10 business days. I have bills to pay and needed that money. Thankfully, my financial institution agreed to return the funds to me and will fight with Navient to  get their funds back. Navient 's process is deceptive and abusive to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was settled on XX/XX/2018 along with 2 other outstanding accounts with this firm. However this one remains as an active collection. Repeated attempts to resolve the issue have failed. I'm requesting relief/ assistance from the CFPB in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: CITIBANK, N.A.
State: NJ
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 customer service

Complaint:
1. I was making a reservation ( XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX ) through XXXX XXXX XXXX ( which is one of the benefits for XXXX XXXX Card holders ) over the phone. 

2. A customer service representative ( CSR ) of XXXX XXXX XXXX, " XXXX '' guessed that I wanted to make a reservation for XXXX XXXX by XXXX XXXX for for XX/XX/XXXX to XX/XX/XXXX, instead of XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX.

3. Before she reserved the XXXX XXXX by XXXX XXXX, I found her mistakes and tried to fix the issue by emphasizing that " I want to make a reservation for XXXX XXXX XXXX, not XXXX XXXX '' and by providing the address of XXXX XXXX XXXX multiple times to her. Finally she seemed to understand that she should reserve XXXX XXXX XXXX, not XXXX XXXX. 

4. During the call, she told me that she would send me a confirmation email for the reservation within 15 minutes.

5. I received the confirmation email for the only XXXX XXXX XXXX ( attachment : XXXX ) with Case ID : XXXX and then I checked my XXXX account. I found her mistakes - she made two separate reservations - XXXX XXXX XXXX and XXXX XXXX - for XX/XX/XXXX to XX/XX/XXXX without my permission even though I emphasized that I needed the only reservation for XXXX XXXX XXXX, not XXXX XXXX to her multiple times during the call.

6. I called again the XXXX XXXX XXXX. After waiting more than 40 minutes to contact a CSR, the call is connected to another CSR ( Her name is XXXX ). She simply told me that she did not power to cancel the reservation because XXXX reserved XXXX XXXX with non-refundable rates ( even though I did not allow her to reserve XXXX XXXX ). 

7. Attached ( XXXX and XXXX ) are proofs that both of the reservations made by the XXXX XXXX XXXX using the email address in the attached file because the email address is XXXX ( not my address, XXXX ). 

8. A huge mistake by XXXX of the XXXX XXXX XXXX made me frustrated. No willingness by XXXX of the XXXX XXXX XXXX to help me under the frustration made me disappointed. 

9. I hope that the wrong reservation by XXXX will be fixed/cancelled within 24 hours because the reservation would start on 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 2018-08-13
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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX  XXXX  XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance:XX/XX/XXXX Company XXXX XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
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:
TransUnion has added names to my credit profile that are not mines they are for someone else with a totally different name and have included a unpaid debt not belonging to me on my report and they have yet to remove it. I pay all of my bills on time where I the world this this debt come from? Not my Name and not my debt!

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 2019-05-25
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently called lexinexis and they told me that there was no bankruptcy. I have a copy of the letter providing proof they gave me inaccurate information. So after disputing with the credit bureaus and sending them my letter with no bankruptcy found. The credit bureaus kept saying that the bankruptcy is being reported accurate. Please ensure that they abide by the consumer laws thats in place to protect us. 

I called lexisnexis yesterday day XX/XX/2019 and one of their staff members said that the credit bureaus were able to pull records from my unverified public records from their company? third party I wan na know how is this possible and why are they illegally allowing credit bureaus to pull this information? Please have them remove this public record from being accessible to the credit bureaus. In this letter I have provided physical proof from the Michigan u.s bankruptcy court stating that they do not report to any credit agencys. I demand that my FCRA consumer rights be exercise correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2019 I opened new checking and savings accounts with Citibank. I then transferred {$15000.00} to these accounts and set up direct deposit of my job salary into the Citibank checking account. I also established web access to the account portfolio. Soon I received the checkbook from Citibank via US mail. 

On XX/XX/XXXX, to pay federal and Illinois taxes, I wrote two checks from my Citibank checking account : check # XXXX in the amount of {$1200.00} to Illinois Department of Revenue and check # XXXX in the amount of {$3900.00} to IRS. 

By Thursday XX/XX/2019 by going through the Citibank web portal, I saw that both checks have arrived to the bank, were in the " clearing '' status momentarily, but very soon both checks vanished from the portal view. I called Citibank where CSR told me that both check were " recalled '' by senders. He could not elaborate what this meant so I asked to talk to a supervisor. Supervisor XXXX (? ) assured me that both checks were being cleared as a part of a normal processing and advised to check back after the weekend. 

After the weekend nothing has changed and I went to a physical XXXX location for answers. There I was advised that my checks would not be honored because of the Citibank policy that " the first two checks on the new accounts are not honored until the account holder calls in ''. 

In conclusion, Citibank broke its fiduciary duty by refusing to clear checks while the account had more than sufficient funds and in good standing Citibank failed to notify me of an apparent and obscure policy that I needed to call in before using the checks Citibank never made an effort to contact me when it received the checks, despite being in possession of all my contact information, including the Secure mailbox on their web portal. They just quietly dishonored the perfectly valid checks. 
Citibank 's phone reps gave me conflicting and erroneous information about the status of the checks As a result I incurred substantial penalties from the IRS and Illinois Dept. of Revenue ; spent  numerous hours resolving the issue and still facing the consequences of Citibank 's misdeed.

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 2019-05-25
Company: Peer Advisors, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against XXXX XXXX XXXX XXXX ( Celink ). 
The company has failed to forward a disbursement request of {$43000.00} made by my mother from her Reverse Mortgage HECM Home Equity Account before she died. 

Full Complaint is listed at CFPB complaint # XXXX Please update the company name to XXXX XXXX XXXX XXXX + Celink

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2017 I got sick. I totally spaced out on paying the credit card bill. When I realized it I called, made payment asked about late fee she said she'd wave it. I asked if it would be reported and she said since it was my first time ever late in the 13 months I had the card she'd do goodwill and mark it not to be reported. I continued to make my payments on time for 8 more months and called every month because it HAD shown up on experian 30 days late. After not being able to come to a mutual agreement I paid the card off and requested the account to be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Last XX/XX/2017, I applied for American Express XXXX credit card while there is a promotion of XXXX points can be earned ; XXXX initially after {$2000.00} spend and XXXX additional extra {$1000.00}. After my {$3000.00} spend, I was waiting for the additional XXXX which never deposited to my account. I contracted the American Express Service Department numerous time back XX/XX/XXXX and again in XX/XX/XXXX since they need a time to investigate the matter. Last time I talked to  service department. They just told me they just can't honor the promotion since it was never linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
As a result of your findings. I still have not received any contract and/or agreement with my signature on it. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX  XXXX XXXX XXXX Or Delete It! 
" DELETE XXXX XXXX XXXX '' Or Delete It!

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 2020-07-31
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXXXXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

This is not the first complaint I have filed- XXXXl does not change their tactics and I am still having the same issue. 

**The CFPB has not helped either even though this has not been resolved.

Company response to consumer: Closed with explanation