BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: CITIBANK, N.A.
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2017-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.

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 2017-07-05
Company: Navient Solutions, LLC.
State: AZ
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:
My student debt was resolved paid in full back in 1999 when 4years of income tax returns were offset for the debt but XXXXand? Never Applied offsetc towards the student loans! I have tried working Department of Education IRS the treasury Department and the Bureau of fiscal management since the year 1999 to present day ombudsman reviewed and investigated this but could not get the original accounting from XXXX XXXX and asked me to get it in the meantime Federal servicing XXXX XXXX put my loans in default when they were asked not to I need help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 9 phone calls between XXXX and XXXX on Saturday XX/XX/2018. Not one voicemail was left. This happens everyday continuously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is pertaining to complaint XXXX-XXXX. All this information you provided in the previous response is irrelevant at this point. I am for one a SHE and not a HE. I am exercising my consumer rights and you HAVE NOT provided me with the correct validation documents requested. Please provide me with the requested validation documents in the attached letter below via mail. If this information is not provided i will have to take this to litigation and also file a complaint with FTC and my local attorney general 's office. I am keeping really good records of all my requests and documents and will use them if this has to be taking further. I would hope that you will honor my rights as a consumer as well not violate the FDCPA and provide the request information. If this can not be provided simply Remove it from my credit profile. A generic letter or itemized bill is NOT sufficient enough for validation. Please see attachment. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got my ppp loan deposited on XX/XX/2021 I was using my debt card it was fine soon I went inside the branch wit my friend he went to one teller to get some money I went to the other they didnt lock his account up the lady looked at me locked my account after she received my withdraw slip them gave me a number to call I call the number gave them all the information they needed send them all documents I still havent heard from Capitol one I been calling they still telling me they dont kno how long it will be then say after the investigation they going to send my funds back to the lender which not right cause they should of not accepted the deposit my money just sitting In there collecting interest I just really would love for yall to help me much as you can so I can keep my business going thank u have a bless day my number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: General Motors Financial Company, Inc.
State: DE
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:
on XX/XX/XXXX i called gm financial to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call gm financial there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since gm took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Investigation took more than 30 days

Complaint:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Investigation took more than 30 days

Complaint:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

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 2017-09-28
Company: Experian Information Solutions Inc.
State: MD
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 disputed the accuracy of 4 public records listed on my credit report in XXXX 2017 with XXXX, Experian, and XXXX. All 3 companies reported back to me that the information was verified and to check with the creditor reporting the items. I contacted the listed Courts for all 4 public records to get information about their verification process and they informed me that they do not and did not supply public record informaiton to credit bureaus and did not verify any information with any credit reporting companies. I then contacted all 3 credit bureaus again and requested the manner of verification, specifically asking for names and phone numbers of the individuals that verified the information. As well I informed them of the information that I received from the Courts. XXXX responded that the information was verified. XXXX responded that they received the information from a third party - XXXX XXXX. Experian did not respond to my letter. 

Through these actions the 3 credit bureaus are committing fraud by reporting information that is not accurate. XXXX  has admitted to it by saying that they received the information from XXXX XXXX. They have not updated by credit file to reflect that information. 

I have a right under the FCRA to have accurate information reported at all times and to have inaccurate information removed immediately. I am now going to file small claims actions.

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 2021-01-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There are several accounts showing on my credit report with activity ( both charges and payments ) I am not responsible for. These accounts are unknown to me, and I was not aware of the debt until I viewed a credit report earlier last year, and then began disputing. I have repeatedly given them FTC reports, and disputed with credit bureaus and it is not getting resolved. They send dismissive letters that do not adhere to the FTC notice to furnishers regarding my rights. They do not send the application and receipts ( proof ), delayed closing the accounts, and basically just ignore the requests I make or dismiss them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: TD BANK US HOLDING COMPANY
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took out a car loan with Chase Bank on XX/XX/XXXX through XXXX. I paid {$3000.00} cash down. Payments of {$260.00} began XX/XX/XXXX. I have been paying in cash most of the time, but lately, pass few months some times I have been asked to show my ID to pay in cash. When I did n't show my ID on XX/XX/XXXX, the payment was accepted. On XX/XX/XXXX the teller refused to accept my payment without my ID stating '' The process could not be completed without my ID. because I was paying with cash. I ask " why, she replied that Chase requires an ID to be shown to complete a transaction with cash.I stated that I paid the bill last month without showing an ID. She stated '' they must know you there or you have an account there. I replied, NO, I just have a car loan through Chase Bank. She apologized for not being able to accept my payment. I took my money back and contacted FDIC over the internet and filled out a complaint about Chase but it would n't go through. I then contacted FDIC through their XXXX number to be told '' Chase is no longer affiliated with FDIC and was referred to CFPB.
I just want to pay my bill the way I want to pay it without any hassles as I have done in the past. I looked at my receipt from Chase and it states that '' JP Morgan Chase Bank, N.A. Member FDIC, Equal Housing Lender. Please explain what the person meant by Chase not being affiliated with FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint against : Our mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX I was on month to month, new owner took over fraudulently forged a new contract, which I did not know until I demanded a copy otherwise I was sueing, When I got it on XX/XX/XXXX she renewed it till XXXX. I NEVER agreed to renew with her. I went there multiple times in person owner only comes in between 12- 5, when normal people work. She is the only one who can give me " official '' cancelation form. the girl at the desk new and said owner blocked her from printing but I could take a photo. I reached out on XX/XX/XXXX again in person because I had bought a bottle of water she kept my XXXX on file I NEVER AGREED TO and charged it again. I hand wrote one on XX/XX/XXXX Sent text emails she is trying to charge me monthly. I have not been to gym in months, and still getting payment emails and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

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 2017-09-28
Company: EQUIFAX, INC.
State: MO
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 recently had my chapter XXXX Bankruptcy discharged. Most of my collections accounts dropped off completely from my XXXX report. However, with Equifax, they kept collections account information on my report and are reporting this as " open '', when in fact these three accounts were included in my Bankruptcy.. ( XXXX XXXX, XXXX XXXX ). 
Equifax has also allowed two of the creditors that were listed in my Bankruptcy and ( might I add these accounts were fully discharged ), to re-report the SAME information, causing my credit score to drop 43 points!! Equifax has no option on their websites dispute page to dispute the credit score. The creditors that were allowed to re-report the same information were XXXX XXXX/XXXX, this particular account was paid in full PRIOR to the Bankruptcy and no balance due, I only had to report it since I had an open account as well as other accounts with XXXX that did have a balance. The other account was with XXXX XXXX XXXX, according to Equifax, both of these companies re-reported that I had included them in my Bankruptcy that was discharged on XX/XX/2017. This information is totally inaccurate as this has already been reported at the time of my discharge and should not have had any bearing on my credit score since it had already taken a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CITIBANK, N.A.
State: TX
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 never applied for citi account ending in XXXX under my name and I never wrote checks and no funds was withdrawn at all and I put in a fraudulent dispute with citi and within days the claim was denied and I never lived at XXXX XXXX XXXX and I have my ID to prove that and someone stolen my identity and opened up checking account and I never applied for this fraudulent account and it was reported to XXXX under a different address in XXXX and I live at XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX and was in XXXX  for three years in the years of XXXX and XXXX and I would like this case to reopen

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 2019-08-08
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i have struggled to pay the monthly payments for the last few years. I recently had XXXX and lost my job. it took a few months to find a job and its been hard catching up. I attend XXXX XXXX and they recently was found guilty of fraud. I got this loan because i showed proof i was a student there. 
So i feel i would have never taken this loan out if i wasn't in school. my life has been ruined since this loan. If XXXX failed me then everything tied to them should be forgiven and refunds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Affirm Holdings, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX, loan originated from Affirm is making repeated attempts to collect on a debt from an order, ID XXXX, placed on XX/XX/XXXX. The order was refused via XXXX, tracking id XXXX. Package was returned back on XX/XX/XXXX. I've been calling the merchant, XXXX for several days, was able to reach a rep on XXXX I believe, was told the item ordered is final sale and discounted which is not stated in advertisement. I've been calling back to attempt to speak with a manager, no one answers phone. Most recently, I've been receiving emails requesting payment which according to payment schedule is now overdue. I've been replying to emails stating item returned, final sale not disclosed in add, no resolution to date.. The form reply received back shows Affirm as the company attempting to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They do n't have the right to collect in the state I reside in which is the state of Maryland. The address that comes up on my credit report is  XXXX , FL. Also, on my credit report the full does n't appear either. It says Enhanced Recovery Compan instead o f Enhanced Recovery Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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:
My XXXX card includes the benefit of up to {$100.00} reimbursement per year of incidental airline expenses. On XX/XX/XXXX I made two {$25.00} charges to the card for baggage fees. The {$50.00} has not been reimbursed, despite my repeated requests to the issuing bank and the concierge. The official card website ( XXXX XXXX XXXX ) states " Cardmembers should allow 2-4 weeks after the qualifying incidental air travel fee is charged to the Card account for statement credit ( s ) to be posted to the account ''. Obviously that time frame has long since passed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
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:
Do not have any knowledge of this Credit Account on my XXXX, XXXX  and XXXX  credit file to Original company One Wall. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove

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 2018-12-29
Company: Experian Information Solutions Inc.
State: TX
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:
First of all this was a timeshare. I paid XXXX for 2yrs even paid off 1 property. But they were misleading and unfair on how I would be able to use the property and when I could have access. So, when I wanted out, they wouldn't let me out. And I agreed to pay a certain amount to keep my account current to keep them from filing late on my credit report. But, they took my money and didn't hold up to their end of the deal. 
Then when I tried to contact them, all discovered they had went out of business or been sold to XXXX XXXX XXXX and my accounts had been closed. 
For 2 years I hadn't seen or received anything from XXXX, Now in XX/XX/2018, two accounts appear on my Experian report as delinquent. I filed disputes with Experian to have them removed with no success. 
I feel I shouldn't be responsible to pay for a timeshare that had bad business practices and unfair consumer practices.

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