BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONTACTED MACYS ON XX/XX/2017 AND XXXX XXXX 2017. I ALSO RECEIVED AN E-MAIL FROM XXXX XXXX. I MADE SEVERAL ATTEMPTS TO PAY OF THIS DEBT, BUT DUE TO STATUE OF LIMITATION THEY COULD NOT DO A SETTLEMENT OFFER. THEY DID NOT WANT TO ACCEPT PAYMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Lazega & Johanson LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{ debt Collector Agency ) Lazega and Johanson locate at XXXX XXXX XXXX, Ga ( XXXX ) XXXX I received a letter from them stated that I owe my HOA in the principal balance of XXXX but they added fees and court fee equal to the amount of XXXX. I requested a payment plan with them. I already payed them XXXX, XXXX. I have missed a couple of payment as a result they send court paper to my tentants in the amount of XXXX as a rent garshment I still wanted to work with them. I then told Ms. XXXX XXXX the person that I also contacted regarding the matter. I told her that its not right that They keeping adding fees that it against the Fair trade Act. She knowledged that but say so, I then asked for a settlement, she wrote me back with the amount of XXXX. She say that the company is only going to accept a settlement on that amount, nothing else. I said where does that amount come from. She said they added post judgement balance of XXXX was added to the amount. She received to answer my calls. I said the balance was 3, XXXX How come Iam paying 2x as much. They told my tentant to go to the court to pay the rent to pay the rent to them as of XXXX XXXX. I called the HOA and told them what was happening. They told the HOA that I have a payment plan with them which is not true. They have not submitted any paperwork to the HOA showing my payment history. They didn't even forward my request to settle with them.

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 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report and found that XXXX XXXX   account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX  balance however after several disputes the information has not been updated

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 2023-07-17
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX  XXXX XXXX  XXXX XXXX, and 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 2020-12-09
Company: Experian Information Solutions Inc.
State: NJ
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:
In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.

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 2019-10-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for Victoria Secrets card and made purchases and received products I have yet to receive card. I have made a payment but have not received the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: AL
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 sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.

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 2018-12-07
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: Personal information incorrect

Complaint:
I was denied to get a loan because the reporting agency " Experian '' have wrong information on my credit report, when i called them to fix this issue and verify my identity they wanted my to pay first in order to resolve this problem.

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 2021-05-02
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX and XXXX XXXX are the branch manager and assistant branch manager of the Navy Federal Credit Union on XXXX XXXX. They are XXXX XXXX and XXXX XXXX XXXX. They have defrauded my account of tens of thousands of dollars in excessive authorizations since the accounts inception. They have precluded me from being able to contact the NFCU in any way shape or form other than by email. I am requesting that the FBI investigate them for money laundering, racketeering, drug trafficking and arrest them and discharge them from NFCU employment permanently as they are both 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2021-02-25
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in XX/XX/XXXX I applied to Amerisave Mortgage for refinancing my real estate properties. They took my applications, charged me fees, completed professional appraisals and indicated there was no issue and they can fund the new loans. From XX/XX/XXXX to XX/XX/XXXX they kept asking for documents after documents and dragged on the process with one unfulfilled promise after another!. Although I provided all documentation they asked for, in XX/XX/XXXX they tell they can not close the loans. I went with another lender and they had no problem with refinancing loan. Amerisave lied and collected fees from me without delivering what they promised. I want my money back and file a complaint against improper practices by Amerisave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: MN
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 seen multiple hard inquiries on my XXXX XXXX  and equafix accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: SYNCHRONY FINANCIAL
State: VT
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:
I signed up for XXXX premier as my ID was hacked into. I found out I had derogatory reports and have paid them over 3 months ago, some longer ago. I have repeatedly called these companies and the negative reporting has re-appeared. 
# 1. XXXX XXXX out of California bought my Care Credit account from Synchrony Bank I owed them XXXX they tried charging over XXXX XXXX. We agreed upon an amount and I paid it. They agreed to report paid in full with a XXXX  balance. It still shows up on XXXX as owing over {$600.00}! 
# 2. I had an XXXX Credit Card with approximately $ XXXX-XXXX balance. I tried numerous times to call them after getting out of the hospital, as did XXXX XXXX. In XX/XX/XXXX they agreed to accept {$320.00} as a paid in full I tried along with XXXX XXXX to accept this offer and pay them off. XXXX XXXX tried again in XX/XX/XXXX and XX/XX/XXXX. They said they can't talk to us??? We don't understand why it's still being reported and it shows up as {$1000.00}. being owed on my XXXX  report. 
# 3. XXXX XXXX reported I owed a bill to XXXX XXXX XXXX for {$270.00} and {$210.00}. They removed it as XXXX XXXX repeatedly called the hospital to let them know I had insurance that covered the bill and to bill the insurance. They did and removed it from the other credit bureaus but not XXXX! 
I was hospitalized repeatedly from XX/XX/XXXX throught the end of XX/XX/XXXX with XXXX and am now completely XXXX and on XXXX. XXXX XXXX is trying her best to repair my credit but no one is co-operating in removing these from my report even though they were paid or reporting things incorrectly. 
All items on the derogatory report have been paid except XXXX/Synchrony. Who refuse to accept our call or remove the derogatory report. 
XXXX, XXXX is paid as is a negotiated XXXX bill that was charged up by a former girlfriend.

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 2018-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a car Loan with Capital One Auto Finance on XX/XX/2016. I had some mechanicals problems with the car and took it to the dealership. The car never got out and I got an offer to buy a new car. I did so but this car loans keeps appearing as a charge off. It is being reported incorrectly. This account should be closed and stop affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: FISERV INC.
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Money Network XXXX XXXX sent me a stimulus prepaid card under the name XXXX XXXX My name is XXXX XXXX XXXX XXXX. 

You can not talk to anyone on the XXXX XXXX line its all prerecorded junk and then they hang up. I activated the card but I can't use it under this name. Really bad implementation. As a retired government employee, I am ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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:
I am writing you today as an aggrieved man. My identity was stolen along with my other pertinent information. I never authorized and or agreed for any of these companies to do an inquiry against my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-19
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
University of XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since 1998 and needs to be removed from the credit report because it is a clear FCRA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Financial institution Bank Of America has a practice of charging a " minimum finance charge '' on my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed, which WILL NOT BE TOLERATED.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED ON XX/XX/2022

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 2018-12-07
Company: EQUIFAX, INC.
State: IN
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:
Equifax is showing two loans with XXXX when there is only one and it was  paid off in XX/XX/XXXX. They are still showing a XXXX XXXX late payment when it is a student loan in deferment. I called XXXX XXXX and they never called Equifax to report delinquency. I have one mortgage loan with XXXX. Equifax put on a Hard inquiry for a mortgage and there is also a hard inquiry from XXXX in XXXX. I never ever had XXXX especially in XXXX when I live in Indiana. Every time I turn around there is another issue. My credit score was XXXX until this happened. The XXXX account should be closed and there shouldn't be two. The hard inquiries especially from Equifax should be deleted and the XXXX XXXX account should reflect deferment since they were never contacted. This is very frustrating. I have worked hard to get my credit in the 700 's then this ... .I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account and a savings account with PenFed Credit Union on XX/XX/2020. The checking account # is XXXX The savings account # is XXXX. When I signed up there was a promotion that offered {$200.00} if I made a deposit of {$1200.00} and did 5 atm transactions. I did both of these requirements. The fee for the checking account had been waived for several billing cycles. However at some point a {$10.00} fee was assessed to my checking account. 

I attempted on several occasions via email and the messaging system on the penfed website to add a deposit in order to bring the account to the positive. I was unable to do so as the ability to transfer money was eliminated from my account. The negative balance was $ XXXX Despite that I sent numerous messages, my issue was not addressed. 

The bank sent my an email that because my account was in the negative, they would not send me the {$200.00} bonus. I asked if I could appeal, and outlined what I just told you. I did not receive a coherent message back. My point is that I deposited the {$1200.00} and did the 5 debit card transactions, but they are not sending me the bonus because my account went into the negative. Before I could deal with this further, the bank closed my checking account. 

So, they first restricted my ability to add money to the account, then closed the account without answering my inquires. For these reasons I believe that an exception should be made because I did try to fix the negative balance, and instead of helping me they took the above outlined 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 2022-01-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCIUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation