BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called XXXX, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ '' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " XXXX miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.

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 2021-04-28
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: Account status incorrect

Complaint:
I found a few accounts that have been illegally re-aged on my credit file XXXX XXXX XXXX # XXXX this account is from 2012 and was listed as XXXX NOT to mention that this was PAID before it was even in collections. Not sure who is keeping records at XXXX but this a causing a serious issue while I am in the middle of closing on my business loan.

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 2018-09-04
Company: EQUIFAX, INC.
State: TX
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:
Equifax has once again added fraudulent accounts that they were already notified were fraud, back onto my credit reports. Equifax has already received my FTC law enforcement identity theft affidavit. Equifax blocked these accounts, sent confirmation they blocked them as required due to the FCRA laws protecting consumers of identity theft. Not only are they violating consumer protection laws by unblocking fraud and re adding fraud back onto my credit, they know its fraud. Knowingly reporting incorrect fraudulent information. They recently added two new accounts from XXXX XXXX that I did not authorize, a auto loan and a Line of Credit. These were previously blocked, and equifax decided to unblock them and Re add the fraud. Without notifying me. They continue to damage my credit placing incorrectly reporting fraudulent accounts that were opened as a result of identity theft. They have already been made aware of these accounts and proceed to over ride the identity theft block. This includes an account from XXXX XXXX XXXX. I believe equifax is leaking my information, as it seems equifax is the only bureau placing fraud on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Specialized Loan Servicing Holdings LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing, XXXX # XXXX. 
Notice of Default Mailed or Generated on XX/XX/2023 and sent to me via Certified Mail.

Letter stipulate I have 33 days from date of letter to cure my default balance. 
However, I signed for the certified delivery on XX/XX/2023 at XXXX. 
The 33 days include 9 DAYS IN TRANSIT. I want to have the time extended to cure the default. ( I will have the funds by the XXXX XXXX XXXX XXXX to pay my account current ) I should be given 33 days to cure from the date of receipt of the Notice of Default. 
I contacted customer service and was advised the 33 days starts from the date of the notice and NOT when received. I advised I wanted to extend the due date to the XXXX XXXX XXXX XXXX  and the representative stated she would document my file but the date of XX/XX/2023 is my final date to cure the default payments. She could not state whine the next step of the Foreclosure would take place.

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 2019-02-11
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
y name is XXXX XXXX XXXX.I am XXXX citizen, password XXXX XXXX. I am here visiting USA us a tourist visa XXXX.I opened a check in account in Citi Bank ( # XXXX ). Then l opened a check in account in XXXX ( my account numbers I is XXXX ). Can you help me please to resolve my problem which is started : XXXX XXXX, 2019 I transfered {$16000.00} from my Citi Bank account to : Wire funds to XXXX XXXX XXXX XXXX, NY, Routing number XXXX, for credit to XXXX XXXX XXXX XXXX, account number XXXX, for the benefit of XXXX, Adress XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, SWIFT code XXXX. 
That account number in XXXX XXXX  is for XXXX XXXX, brokers company. 
During the transaction Citi Bank made two mistakes : 1. The first was the wrong account number, which was XXXX instead of XXXX. The following day, XXXX XXXX l went to XXXX XXXX  office. y account did not receive the electronic transfer from Citi Bank. Returned to Citi Bank and show them that the account was wrong. One of the employee s said the mistake was corrected and the funds transfered again. 
XX/XX/2019 went to brokers company XXXX XXXX office and my account did not show the transfer. gain returned to Citi bank to show them the incorrect spelling of my name. hey wrote XXXX instead of XXXX. 
XX/XX/2019 checked account in XXXX, only to find find no transfer received. Returned to Citi Bank and the employee stated that it will be resolved withim 2-10 business days. 
XX/XX/2019 returned and to Citi Bank because account did not show the transfer. 
Asked Citi Bank employee to assist with the transfer because I have only {$1000.00} with to live.I was told it will take another 5 business days to correct the mistake. 
XX/XX/2019 there are no fund in my money. It has been at least 10 days already. Your assistance is greatly appricated. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A credit card with COMENITY CAPITAL BANK/Forever 21 shows as an open account on my credit report but I did not open this account. I tried to call the bank to cancel and gave my social security number, address, telephone number and zip code and they did verify the account exists but said it is not in my name so they will not allow me to cancel it. I tried every variation of my name possible and they simply said that since it is not in my name, even though it was opened using all of my other personal information, they will not be able to access it without the correct name and I would have to try to cancel it through you. I don't know what to do to remove a fraudulent account using my information but someone else 's name. I tried the customer service and the fraud department with Comenity Bank and Forever 21 and they both declined helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2023 I assumed a person was trust worthy since people in a trucking dispatch/carrier group chat were responding to this lady named XXXX XXXX posing as someone official who could help guarantee grant money and help with grant applications. Instead of doing a real application the person scammed me of every penny I had. XXXX  XXXX and cashapp denied my requests for refunding. Its left me with many mixed emotions given I have a son and had to tell my family I have no gas or money for food to take care of him nor money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I filed for bankruptcy 2 years ago XXXX XXXX XXXX are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.

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 2019-08-16
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
We have a bogus {$610.00} charge dated XX/XX/19 from the XXXX on our Citi AAdvantage Credit Card.

Citi refuses to remove to remove the charge until investigated, usually 3 billing cycles. In the meantime, I must pay it. I thought the usual policy was to remove the charge until resolved.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize 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 2020-09-19
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been sick with XXXX and was not able to respond in a timely manner I would like to reopen case COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Checking or savings account ISSUE Closing an account step 1 : What is this complaint about? -- -- -- -- Balance not received from blocked account Step 2 : What type of problem are you having? -- -- - I was told that the balance would not be given to me instead would be in a ledger Step 3 : What happened? -- -- -- -- I opened the checking account with {$3000.00} dollars, 2 cashiers check were written in my name to me which was deposited at the ATM one for {$24000.00} and the other for {$12000.00} both checks were cleared, then one day i was not able to use my ATM debit i call the bank several times and was told the checks were fraudulent and would be returned to bank that it was written on. the the check for the {$24000.00} was returned the account was opened on XX/XX/XXXX its over a year now with still no response as to what will happen to my balance. The balance was already sent back and yet CITI still holding on to my balance,. 

Step 4 : What company is this complaint about? Citi bank

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 2020-09-20
Company: Experian Information Solutions 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:
UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently pulled my credit file and noticed a XXXX late that does not belong on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: AZ
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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:
Inquired about my credit rating without my permission. On XX/XX/2020 the company asked for my social to prove who I am over the phone, I never gave written or verbal consent for them to run my credit score.

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 2020-09-19
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was informed by my ex-wife that all my credit card information was still showing on her credit report. XXXX told her it was showing because Chase was reporting it because she was still listed as an authorized user. I removed her from the account via Chase over 10 years ago. I contacted JPM / Chase who said Id have to call back as that department was closed, though the 2nd rep I talked to did confirm there were no other authorized users on my account. 

I attempted escalate because my data being available to her and being reported to unauthorized 3rd parties ( IE credit bureaus ) that this was kind of a big deal. My account was being used to determine her credit score. The rep did not seem to grasp the severity of private data being shared. I opened a complaint with her on the matter but she said it would take 10-14 days to hear anything. She also would not provide any documentation to me showing a complaint had been opened. She said that document was for internal use only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following hard inquiries on my credit report are incorrect and do not belong to me. please have them removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter for a bil that is fake. 
I called the company it is supposedly owed, they said they don't use that collection agency. 
It was sent to my father at my address. the bill was for energy in WY and he's been deceased for 7 years and only lived in CA for 75 years before that. 
See attached photo of bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Meridian Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX sent my account straight to Meridian Financial collection services but they never sent me an initial bill ( no email, phone call or voice mail ). The only notice I received was from Meridian via the US postal service. If they were able to find me, I don't know why XXXX wasn't able to. 
Once I investigated what may have happened, I paid Meridian immediately ( including their collection fees ) in full, within 5 days.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian, XXXX, and XXXX are continuing to report a past account with XXXX XXXX XXXX as a charged off account. This account has been paid in full via a garnishment from my paycheck, initiated by their lawyers. 
As I subsequently dispute the findings that Experian comes back to me with, they refuse my electronic dispute on their website stating that this has already been resolved. XXXX  and XXXX  have also not removed it based on the information XXXX is providing them with. 
According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer by not providing the credit bureaus I have disputed this with the correct information and Im requesting legal action to remove this account immediately.

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 2021-09-09
Company: Navient Solutions, LLC.
State: MD
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:
This is my 7th complaint about a loan that I have said for several years was paid. I have asked Navient and CFPB to review my concerns on several occasions. Navient has repeatedly stated that I owed {$37000.00} for three courses in XXXX XXXX. That would be a gross overpayment of educational fees. I am submitting as evidence the ledger from the XXXX XXXX XXXX  financial aid office. The ledger indicates that I only borrowed/ received {$13000.00} from Sallie Mae XXXX  Navient information is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: AmeriCollect
State: SC
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:
Hello! 

I am writing today because my account should reflect on time and in good standing of payments since XX/XX/2020. All of my student loan accounts should reflect in good standing since XX/XX/2020, there should be 3 consecutive years of the account being in good standing and not delinquent or negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
Pursuant to 15 USC 1692 ( a ) Portfolio Recovery Associates used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Portfolio Recovery Associates also violated 15 USC 1692j ( A ) because PORTFOLIO RECOVERY ASSOCIATES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Portfolio Recovery Associates sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Portfolio Recovery Associates can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief