BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I paid off my promotional deferred interest balance last month but I had pending transactions that could not be paid yet and they added those new charges to my promotional deferred interest amount. 

They do not have an option to pay just the deferred portion only and told me that it was my fault for not understanding how it works. 

I talked to a manager and they had no interest in helping me and told me that if I wanted to make sure it was paid off I need to not use the card until the promo was paid. 

Citi Bank " BestBuy credit card '' and the deferred interest program is a fraudulent way to rip off responsible consumers by using predatory lending practices to hit consumers with massive amounts of back interest through hidden clause 's buried deep within a mile long agreement!

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 2020-01-21
Company: Trident Asset Management, L.L.C.
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: Account status incorrect

Complaint:
Trident Asset Management , L.L.C . claimed an alleged XXXX bill of {$620.00} is owed, and they have this unknown item on my credit for 5 years as derogatory item. 
I have disputed it with them, and they are refusing to remove it out my credit report. 
i will appreciate with your assistance, if the could provide me with a sign contract reflecting my signature and date where this actual enrollment take place. 
according to the Fair Credit Reporting Act, any unknown or non accurate item on your credit, should be deleted. 

Thank you, 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 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY CAPITAL ONE BANK ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted NavientXXXX XXXX regarding incorrect reporting to the credit bureaus after review of my credit file I have found there are numerous inaccuracies which is resulting in my credit worthlessness being presented in a negative affect. There are XXXX late payments that are inaccurately and incorrectly reporting. During the time period these items are showing past due I was a active full time student. I reached out to a representative in XXXX and was advised the reporting would be corrected didn't realize it was not corrected until my paycheck was garnished. And the loan was showing defaulted which again should not have been. I reached out to Navient once more and was referred to XXXX there I started working with a manager by the name of XXXX XXXX she requested that i contact my schools registrar to get a record of all your dates of at least half-time attendance. After receiving this she advised that she would be sending the information over to both Navient and XXXX funds ( who was now involved because they were garnishing my wages ) She advised that everything was updated and removed yet the information is still reporting. Below are the accounts that are still currently reporting late XXXX times to XXXX XXXX  and XXXX 

Account # XXXX Navient Solutions/XXXX XXXX XXXX Balance : {$870.00} reporting late : XX/XX/XXXX - XX/XX/XXXX XXXX Balance : {$3500.00} reporting late XX/XX/XXXX XXXX XXXX Navient SolutionsXXXX XXXX Account # XXXX Org Balance : {$1300.00} Navient Solutions/XXXX  XXXX Account # XXXX Org Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT AND SOMEONE PRETENDED TO BE AND THEY OPENED AN ACCOUNT AT DISCOVER FINANCIAL SERVICES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY CONSENT. I HAVE TRIED NUMEROUS TIMES TO SEND MY IDENTITY THEFT REPORT, POLICE REPORT TO THE BUREAUS AND TO DISCOVER BANK DIRECTLY. I HAVE ALSO SENT THEM MY POLICE REPORT. I MA NOT REALY SURE IF THEY WILL BE ASKING FOR BLOOD TYPE. THIS IS A FRAUDULENT ACCOUNT, CHARGES ARE FRAUDULENT AND ITS EFFECTING MY LIVELY HOOD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal has denied claims in the amounts of XXXX and XXXX for item ( s ) not received. I have disputed the two transactions which took place on or around XX/XX/XXXX from a " XXXX XXXX ''. The person was supposed to send two videos, failed to send and stopped replying to messages via XXXX messenger. As I've explained to numerous Paypal reps and again here, lots of scammers use XXXX messenger to facilitate and run their scams as is the case here. Paypal claims to have received " evidence '' of sent items, one Paypal rep referred to a tracking number which he did not provide and is bogus. The items were supposed to be delivered via email or text, there is no such tracking number which would show something sent either way, text or email. Paypal refuses to do to anything and refers back to bogus evidence, they also refer back to account ( s ) which are not mine. They insist I had an account in XXXX, it appears to be someone with the same name, possibly a relative. Paypal has been sued in the past with regard to their transactions, please refer to XXXX v Paypal in which they settled for claims denied. I have forwarded information to attorneys in that case. They need to refund the charges or they will continue to receive complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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 is missing that should be on the report

Complaint:
I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.

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 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 two fraudulent accounts on my credit report that I need removed however they continue to say they are accurate when they are not. Both accounts were opened under a false Date of Birth or a fake ID by whoever opened it. I sent the credit companies police reports FTC reports my ID and ssn to no avail. Please help me if you can.

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 2018-05-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXXI did not exhaust 36 months of forbearance on earlier loans. I was unemployed for a period of time, and should have been in a deferment status. I also endured low wages for a number of years, and should have also been in a deferred status, not forbearance. If Navient placed me in forbearance during those years, that would be an unethical act. According to my knowledge, Navient is being sued in court for this very practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX  ). My contract with XXXX XXXX was then cancelled. Transunion and XXXX  Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Transunion and XXXX to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Transunion and XXXX still refuses to remove this from my report which is damaging. Please have them remove this incorrect 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 2020-01-21
Company: EQUIFAX, INC.
State: MD
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:
Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Nelnet, 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:
I filed chapter XXXX in XX/XX/XXXX. Unbeknownst to me at the time, I was not required to make any student loan payments outside of my bankruptcy as it was not included in my schedules. I was in school at the time of filing so was not required to pay. I became delinquent in XX/XX/XXXX, but again I should have not been in a repayment status due to the chapter XXXX. I have contacted XXXX 3 times in regards to this matter and they reply that I applied for forbearance after the delinquency, ignoring the fact that I should not have been in repayment at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I'm looking to have XXXX XXXX CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: MA
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:
Experian and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX  credit card issue and they told me that they have reported to the credit company to remove, but Experian and XXXX is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the 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 2018-05-10
Company: EQUIFAX, INC.
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:
XXXX status on my credit report is incorrect. My current status should report paid as agreed. I am in forbearance and no payments are required and no payments are due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote a letter to the company lvgn funding resurgent capital disputing the alleged debt. I requested this company on 3 different occasions to provide documentation to support the claim owed. I also requested the company to ciest and disest any communication except by mail. This company mailed a letter providing the name of the original creditor on the claim with no supporting documents. I requested a second time for original documents bonding contracts billing statements and still have not received. This company continues to report this debt on my credit knowing the debt is fully disputed as I have no knowledge of the debt and believe it is fraud. The address the company showed I did not live at that address. There is no history proven payments made or even signed purchases or authorization of the account to be open being provided by the company. I have been very transparent with this company in an attempt to resolve the matter and I have gotten no where.This is very bullish practice to not provide documents to validate a debt and continue to make attempts to collect. I am demanding this company provide me with validation of the debt as I am entitled per the law. This company is in violation of the FDCPA and would like for your company to enforce this company to honor my legal rights as a consumer so this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: JPMORGAN CHASE & CO.
State: PA
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 signed up for a Chase IHG Rewards Club Select Credit Card which offering a free night on any hotels worldwide ( unrestricted ) after each account anniversary year. However, I just received notice from Chase in XX/XX/XXXX that the free reward night will be limited to redemption values of XXXX or fewer points. 
I signed up XX/XX/XXXX and won't get to use an unrestricted night even once, even though that's what was advertised when I signed up for the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
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:
XXXX has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.

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 2021-10-08
Company: Rocket Mortgage, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Quicken loans/rocket mortgage pulled my credit with a hard mortgage inquiry without my knowledge or consent on XX/XX/2021! I have tried to resolve this issue with the institution without any success. This matter is very upsetting to me and I feel violated that a company could even go to the extent to pull my credit with a hard inquiry without my knowledge or consent!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CORELOGIC INC
State: CA
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:
I had Noticed an unauthorized inquiries from Credco on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX 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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I started a mortgage process and got a copy of my FICO report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.

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 2018-05-10
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Citibank filed suit against me in XX/XX/XXXX/XX/XX/XXXX ( despite my previous offers to pay a portion thereof ). Case went to trial XX/XX/XXXX. Ended in Judgment granted against me XX/XX/XXXX. In XX/XX/XXXX, I received from Citibank a XX/XX/XXXXForm XXXX ( Cancellation of Debt ) as to the account number sued upon in the previously mentioned lawsuit and in the amount verified in said lawsuit. The XXXX XXXX Identifiable Event Code " G '' was given : " Decision or policy to discontinue collection. '' I filed my paper copy of my XX/XX/XXXX tax documents via regular mail sent from my home on XX/XX/XXXX. I paid my taxes due with a Direct Pay transaction on the IRS 's website, including taxes on " earned income '' represented by the XXXX Cancellation of Debt. Then on XX/XX/XXXX I missed a telephone call, ending in a voice mail message from " XXXX, '' asking me " again '' to call him at XXXX ( but which shows up on my prepaid phone as XXXX ). He didn't state what company he was calling on behalf of or what his call was about. I figured it was a personal telephone call, and he had dialed the wrong number. So I called him back to tell him he had the wrong number ( and he was wasting my prepaid minutes ), but a woman gave me my first and last name. After that I didn't understand 98 % of what she said as she had a thick accent. When she mentioned a dollar amount, I told her " Goodbye. '' Now I'm filing complaints with my state 's Secretary of State, the FTC, here at Consumer Finance, and with the SEC or anyone else I can file a complaint to. If this call was from Citibank, their right hand doesn't know what their left hand is doing. If this call was from a third-party vendor or even sold to another company, doesn't Citibank have a responsibility to share with them the filing of a XX/XX/XXXX Form 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 2020-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
During the XXXX  security breach, I froze my credit reports at all 3 major agencies XXXX, XXXX  and Experian. Now, I am trying to secure a mortgage and i have been able to lift the security freeze at XXXX  and XXXX. 

However, Experian has made it excessively difficult to remove the freeze. I have tried to do so on-line and I have repeatedly tried to call them but can't get past their automated system. It is supposed to require only a phone call to lift a security freeze.

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 2019-05-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Disputed a charge made on XX/XX/2019, by the XXXX XXXX for {$300.00}. Along with my dispute, I provided proof of payment for a higher amount made with an alternative payment method. The provided document shows provide the payment method used which is not the CHase card the dispute is being filed on. It also displays a final balance reflected of XXXX dollars, with a charge authorization code for my alternative payment method. Chase representatives have refused to complete the dispute, wanting my personal financial information from another bank. This demand represents a breach of my personal financial information which chase has no need of or right to. The invoice displays the last 4 digits of the alternative card used clearly showing it not the card associated with this disputed charge.

Company response to consumer: Closed with explanation