BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: Navient Solutions, LLC.
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 XXXX I attended high tech institute in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I  got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped XXXX points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: US Best Credit Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up with US BEST CREDIT XXXX  in XXXX of XXXX. They promised my credit score would be high enough to get me into a home by XXXX. Well XXXX comes and I apply for a mortgage and am denied stating my credit is no where near where it should be to qualify for a home. I made two payments to US BEST and then a lump sum for the remaining of the balance. My personal information has not been disputed and that's the first thing that should have been done. I was advised by US BEST that the person who was over my account " XXXX, '' no longer worked at the company but when my fiance called, XXXX picks up the phone. That is lie number one. I spoke with XXXX about sending off disputes which she said would be sent out that same week but when I emailed her about an update she said my file was on her desk and she would have more information when the audits were sent out. The same audits that were already supposedly sent. That's lie number two. I never received correspondence from any disputes that were sent out by them and apparently my credit is still bad. I paid for a service that I did not receive and was made promises that were not kept. The program is not over for me into XXXX they stated, but there's no way my credit could improve enough to get a house by the time my lease is up. I am wanting a refund because I have no good credit and now am out of thousands of dollars. This is a HUGE inconvenience for me, my fiance and my kids as we will have no where to stay now. My fiance also paid for services and his account was not even touched!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with wells fargo, i was told that I would be receiving a bonus of {$200.00} as an incentive for opening the account. This was not by any means my motive for opening my account. To my surprise less than a month after I opened the checking account a deposit of {$50.00} was put into my account from wells fargo. I didn't know why and found out that it was a portion of my promised bonus. I found that strange and when I inquired about it via telephone no one had heard of them segmenting the amount in this way. So I was told that after a number of days I think 90 days I would receive another {$50.00} but never did. Of course there was criteria that had to be met and as far as I could tell by painstakingly going over my account details I had met their crtiteria. Any way that's my first complaint. Now they took {$10.00} as an account fee because I had only made 8 not 10 transactions during a period of a month, well I was about to make my 9th and 10th when they froze my card due to some phony activity I've never heard of!! I feel ripped off and lied to, played for a fool.

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 2019-07-08
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Upon viewing the citibank promotion in XX/XX/2017 I was meticulous about performing each requirement within the time frame stated. I called customer service to insure that I was clear about & had read the fine print accurately. 
The requirements were : Open a new regular checking account by XX/XX/17 Satisfied. 

The promotion required that a $ XXXX deposit stay in account for 30 days. 
Satisfied Within 45 days of account opening initiate one direct deposit or perform {$250.00} amount of purchases with citibank debit card. 

( Citibank 's own materials state : your account is opened after 4 simple steps : ) 1 ) tell us about yourself 2 ) signature that agrees to terms/disclosures 3 ) verify identity 4 ) fund your account.

It states the 4 steps necessary to open an account ; in my case all 4 were not satisfied until XX/XX/17 thus making XX/XX/17 the day of my account opening. 

By XX/XX/XXXX I had fulfilled making the {$250.00} debit card purchases, which was within 45 days of my account opening on XX/XX/17. 

The problem is Citibank is saying the debit transactions were not made in time- ( 45 days from account opening but they were ) My first contact with Citibank was in a phone call on XX/XX/2017 ; after the fact they are saying the debit transactions were needed to have been made 45 days from that date. But the promotion says 45 days from account opening and Citibank 's own materials say an account opening happens after you do 4 steps one of which is to fund your account- which wasn't done on XX/XX/XXXX- it was done on XX/XX/XXXX ; therefore making XX/XX/XXXX my account opening & debit transactions were successfully performed 45 days from 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 monetary relief
Consumer complaint received 2018-02-01
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has 3 accounts in collections for me totaling {$4800.00} that where opened on XX/XX/17 that are not mine. I would like to dispute all 3 accounts. Accounts are with a collection agency by the name of Astra Recovery. I spoke with them and they advise me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: SUN LOAN COMPANY INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
COMPANY CALLED A FAMILY AND DISCLOSED A LATE PAYMENT I HAD WITH THE COMPANY TO THEM WHILE I WAS STANDING NEXT TO THEM. ALSO ASKED FOR THE FAMILY MEMBER TO REACH OUT TO ME FOR PAST DUE PAYMENT.

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 2018-01-25
Company: JPMORGAN CHASE & CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, 2017 I contacted Chase Auto Finance in regards to my auto loan. I was off work due to an injury and having XXXX in a few days. I asked them if I could have an extension on my monthly payment as my account was in good standing. I would have understood if I was told no- but I was told if I paid a partial payment { which I did pay onXX/XX/XXXX }, that I might could qualify for a deferrment. The woman on the phone told me to pay that and i would get a letter in the mail very soon with their decision. I was essentially planning in advance for not having income and trying to protect my credit score. I was told I did n't have to pay and that I would most likely be approved since I paid the partial payment and it would not negatively affect my credit score. I kept waiting for the letter. I then received a bill that my account was past due. I called them and they acted as such that there was no record of the request for extension. I paid both my XX/XX/XXXXand XX/XX/XXXXcar payment at this point and it was the first of XX/XX/XXXX. I asked if it would affect my credit since I was told it would not. I then got a credit alert that my credit score had dropped 161 points overnight. I then called my lender again and told them that was n't fair as I paid the partial and was told i would be approved for a deferment. I was finally given a supervisor who told me there was a recorded conversation between me and the representative I spoke with on XX/XX/XXXX. She said she would have that dept listen to the call and if it said those things, they would remove the late payment. I was very confident this would be removed as I knew what had taken place. The next day I was called and was told that the recorded conversation did not go that way and they would not remove it. I asked for transcripts or a copy of that conversation as I knew someone was lying. I was told no that I would have to get an attorney and have them subpoenaed. It is very frustrating because I do have a good standing with them. I was trying to plan ahead with my payments so I could defer some accounts while I was making no income. I would have found a way to pay this in full Before I was thirty days late if I was not told I could have a deferment and to wait for a letter that I never received. I paid a partial payment on XX/XX/XXXX, so I was not technically 30 days behind. At the first of XX/XX/XXXX I did catch up the account and paid two full payments. I feel as though them reporting this as thirty days late is extremely unfair as their representative mislead me. I tried working with them to find a solution but they refused to work with me. My good credit has now decreased significantly over this. I want this removed off of my credit report. I was in the process of home buying and due to their error I have had to hold off and try to spend time and effort to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and suedXXXX XXXX XXXX XXXX XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts

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 2019-07-08
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
1. I was repeatedly receiving calls from NCB Management at home, and on the work phone. I sent NCB a letter on XX/XX/2019 ( attached ), advising them to : ( a ) stop calling me at my place of business, as my employer forbids this. 
( b ) stop using deceptive practices such as using local numbers for out of state collection companies. This deceives the intended recipient into thinking it is someone local. The collection agency does not have a local or instate office. 
( c ) On XX/XX/2019 I received a letter from NCB that stated in writing they I would no longer receive calls from them. ( attached ) ( d ) Despite receiving the above letter of XX/XX/19, on XX/XX/2019 I received a phone call from NCB, on my work phone, again using the same local deceptive number. I took a cell phone picture of my work phone ( attached ), which clearly shows the date and time. 

2. I never received a notice of validation of debt from this debt collector when i asked for it again in writing on XX/XX/19 ( attached ), I still never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: IL
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 was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported.

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My issue is with transwold system inc, they pulled my credit, and made repeated telephone calls to my current and previous cell phone numbers. I dispute the debt and I 've asked for them to validate the alleged debt with documents show their company name. And that has n't been done. They have n't produced documentations to show where I 've gave them direct permission to be calling my phones either home or cell. Plus, there are several inquiry on my credit report. And the debt is dated in late 1980 's. I did n't remember signing any loan for school.. Plus, I did n't even had a cell phone in the 80 's. So my question to them, is how and where did they get my current and previous numbers to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: TN
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 submitted disputes to the 3 credit bureaus regarding inaccurate reporting of a bankruptcy on my credit reports. XXXX  deleted the inaccurate information, Equifax and XXXX would not delete the inaccurate information. Equifax and XXXX  said their information was verified as accurate. The third party company ( XXXX XXXX ) in which XXXX and Equifax claim they received the information stated they could not verify the information as accurate and has deleted the information from the report and requested XXXX and Equifax remove the inaccurate/unverifiable information as well but they did not. If the third party ( XXXX XXXX ) in which XXXX and Equifax say they are getting accurate information is stating the information is not verified and accurate how can XXXX and Equifax report this as accurate?! I have attached documents from the companies stating the above and I would like to have the inaccurate information removed from my XXXX  and Equifax reports as soon as possible for they are violating the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: OH
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 not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX  XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts

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 2021-12-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
i have multiple hard inquires on my credit report for services are credit cards that i did not apply for i went through all of them and not one is from me i recently thought i disputed XXXX hard inquiry that my mother who is now deceased and as of today used under my name i check my report and i have about XXXX of them showing up. im not sure if this is fraud or scams but im asking if they can please be removed from my credit report its constantly been XXXX  dealing with this issue i dont check my score as much as i should but after today im gon na start. thank you you so much i appriciate 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 2021-12-01
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CITIBANK, N.A.
State: NY
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:
A Citibank XXXX XXXX XXXX card was opened fraudulently using my personal information and {$24000.00} was charged to the account. The fraudulent account was reported to Citibank as well as the police ( complaint # XXXX XXXX XXXXXXXX ) in XXXX XXXX where I live after I found out about the account from a debt collection agency phone call. 
After a supposed review by Citibank, I received a letter stating that the bank has determined that I am responsible for the account because payments were made from an account that belongs to me, which is false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. 

I have asked XXXX XXXX and XXXX XXXX  to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. 

After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. 

XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. 

XXXX XXXX  has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. 

I am asking for an investigation of how XXXX has handled this situation. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New information based on CFPB XXXX. We sent a debt validation letter to Wells Fargo on this property, acct no ending in XXXX. This is the information they sent back which is included. Debt was not validated and they are still collecting the 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