BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: CITIBANK, N.A.
State: UT
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 XXXX XXXX has taken my case against Citibank and I am requesting statements from XXXX to XXXX from Best Buy and Citi Costco. I need to have copies for my records. As this account had fraudulent balances that were never resolved by Citibank. The credit reporting that they continue to report I will be seeking penalties and damages for the financial hardships it has caused.

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 2020-08-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.

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 2023-03-08
Company: Experian Information Solutions Inc.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2018-10-15
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I wish to be identified as someone who has been harmed by the management practices of Navient. Many times, it was suggested to place my account in forbearance - they did not explain that forbearance would run out and that it would negatively affect my credit rating. When they placed my account in forbearance they would make it effective the day after my payment due date to ensure that my credit rating showed I was late paying. I have tried to ask Navient multiple times to take care of the fraudulent credit reporting and they have refused. This has affected my ability to get loans and employment. Overall, Navient 's responsibility to inform their customers on the loan repayment process is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened business checking account under promotion to receive {$200.00} after making {$1000.00} in deposit. I opened the account on XX/XX/2017 and have had {$3000.00} balance in the account for the last 3.5 months. I have called BOA multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I had been a loyal customer to BOA, and is very frustrated with the way they are treating their customers.

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 2018-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I am writing this letter to file a complaint against Bank of America. 

We cancelled/closed our business credit card at the end of XXXX. A year and 8 months later we received bill from Bank of America for charges on the credit card for {$31.00} for charges for XX/XX/XXXX. We got the bill in XX/XX/XXXX and called in to Bank of America right away.

We called and said how is this possible to be charged over a year and half later after we closed account. We had a XXXX balance when we closed the account. They said " Well, we allow automatic charges to still go through on credit cards even if they are cancelled/close. '' I said that doesn't even make sense. I would understand if that was a month or two after the account was closed, but over a year and half. We disputed the charges as we consider them fraud and they were not authorized and we were told that they would close the account, provide credit, and consider the matter resolved.

Today we received another for the {$31.00} + {$19.00} late fee. I called and told them I consider this to be a scheme from Bank of America to overcharge their customers for fee 's. There is absolutely no reason why BoA should be allowing charges on a closed credit card account almost. When a card is reported stolen it stops all payments, but cancelling a credit card does not. I was told I had to wait 30 to 60 days for a response because there department was backed up.

I was charged late fees while the claim was being reviewed. This should have been an open and shut case. BoA should have closed the account when we closed it, no further charges should have been allowed.

Please help stop this schema from Bank of America.

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 2018-10-15
Company: Modlin Slinsky, P.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 information incorrect

Complaint:
On XX/XX/XXXX an agreement was made to settle an account with XXXX XXXX through their counsel XXXX and XXXX, XXXX 12 payments have been made in accordance to the agreement, however, credit reporting continues to show no payments being received and an account in Charge Off Status month after month. 
I've called XXXX and XXXX who refers me to an XXXX # at XXXX for credit reporting, the ability to speak with the attorney is not allowed nor is leaving a message. The representatives at XXXX state that stipulation agreement and reporting are handled by their attorneys which sends me back to XXXX and XXXX who confirms the need to work with XXXX and this continues in this manner. 
In desperation, I've begun to with hold payments ( XXXX and XX/XX/XXXX ) until which time I can confirm that they are being received and applied to the correct account. XXXX XXXX continues to push the XXXX # in response to communication from my attorney. I call again today just to be sure-XXXX refers me to XXXX XXXX. 
A dispute was filed through XXXX XXXX which resulted in the entire file being removed from my profile, there is no further ability to correct this because there is no file to correct. This is per XXXX XXXX representatives during a phone call where I was trying to determine next steps. 
A dispute was filed through XXXX, 3 in total. The first two disputes resulted in a confirmation of the incorrect information that was already in the file by XXXX. The third dispute resulted in a decrease of the account balance to an amount that is not consistent with the current agreement and still reflects no payments received and a Charge Off status. 
All I am asking is for the correct information to be reflected in my profile. If either the attorney for XXXX or XXXX 's credit reporting hotline would respond to my calls, we may have been able to resolve this problem. The refusal to communicate and work towards a solution has brought me to the CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Bread Financial Holdings, Inc.
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
a Few years ago my car was broken into and my wallet was stole which had all my information like SSN etc. a few months after that I was getting calls and letter and bills in the mails from A few chains store saying I owed them money and stuff, I told them it wasnt me and I never order or bought anything from them inside the store or online they sent me a ID theft paper work I filled it out but nothing was ever dont because all the unpaid amounts went into collection and I told the companies it wasnt me. They didnt believe me and have not tried to fix me problem but I have tried to apply for my first home loan and I got denied because of my ID theft amounts that is still on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am on a payment plan. I contacted XXXX last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!

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 2018-10-16
Company: COMMERCE BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2018 I attempted to make a payment towards my commerce bank credit card but I was going to use my XXXX XXXX XXXX checking account to make the payment. I used {$10.00} from my XXXX XXXX XXXX account to go toward the commerce bank payment and for it to be taken off the XXXX  XXXX XXXX card the same day. One week later I check my account any my commerce credit account balance is really high and I click to find out why, and it was because there was {$35.00} worth of banking fees charged to my account. So I called customer service only to find out they were not willing to credit back fees because they claim I made an error at the time of payment but that was not the case as I checked my account personally online and in person and the commerce and XXXX XXXX XXXX.But commerce bank is stating that the account number was wrong but I personally checked the account numbers online and inperson with a teller. The numbers were correct but the credit bank is still disputing that they made an error and refuses to credit my account back the entire amount that I was charged and as the error was not my doing I should be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: NC
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:
The following accounts are in litigation and I want them removed from my report and I give Experian permission to look into this and move forward : XXXX XXXX XXXXXXXX - Account number XXXX XXXX inquiries XXXX XXXX XXXX XXXX Companies Inquiry date : XXXX XXXX, 2021 XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2021 XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/20XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  XXXX XXXX date : XX/XX/2021 2021

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 2021-01-20
Company: EQUIFAX, INC.
State: UT
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 have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i deposited a check from my sisters school and they put a hold on it like nornal but a few days later they just closed my account i provided with the proof they asked me for and still closed it messing up my direct deposits i had just done and my checks just cashed into the account causing financial hardship and the worst the way they made me feeli worst than a delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian received bank statement that reflects balance is/was below credit line under XXXX XXXX XXXX XXXX acount. There were unauthorized charges made on the account that was refunded by 3rd party. Experian has my credit score below 600 with proof sent by consumer credit usage incorrect at 101 %

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 2018-02-26
Company: Ideal Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello. I currently have a collections debt showing up on my credit report from Ideal Collection Service for the amount of {$2800.00}. From my knowledge this was a lease break fee from when I lived with my ex fiance in XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX FL. OnXX/XX/XXXXthis collections amount was made. I never received any notification that anything was owed or I was in any type of wrong. I feel as if I should be given some sort of hardship break. As I try to make sense of my collection amount I wanted to see out of good faith if you were able to remove this off of my credit report. At the time I was going through a very hard break up with my ex wife and was forced to move as I could not afford the rent. I am currently getting back on my feet and plan to catch up with everything. 

Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: FC HoldCo LLC
State: NV
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:
On XX/XX/XXXX AND THE XX/XX/XXXX XXXX XXXX XXXX, and, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit  companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV I called and spoke to the manager no help there.

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 2022-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge.. 

XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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:
Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.

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 2018-10-15
Company: EQUIFAX, 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:
Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Me and my husband have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.

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 2020-08-24
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection on my credit report that has bin paid off I paid the balance in full XX/XX/2020 It was taken of my XXXX  but still on my XXXX  and XXXX  I need this taken off ASAP as it is already paid in full the name of the collector is SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX originally 11 XXXX  XXXX  FORMERLY XXXX  Total Debt amount {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Professional Credit Analysts of MN, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2016 : The collection by name of Professional Credit Services, a company in Minnesota, for an amount of {$2000.00} was reported to my XXXX  credit report. I have never known this company, never received any communication from them, never lived in Minnesota. I tried to dispute with XXXX  when i tried to get my first car, they said it meets requirement and no other information and closed the dispute. This is so frustrating. Seems like they can just make debt out of thin air and targets specifically immigrants.

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