BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Bank of America is reporting a charged off/written off on my Consumer Credit Report. This reporting is not accurate. 
According to the IRS website debts that have been Charged off or Written off are treated as canceled or forgiven DEBT for tax purposes, and the related canceled amount is reported to the IRS on Form 1099-C. I would like to bring to your attention that the reporting of a charged-off or written-off account as a debt on my Consumer Credit Report is inaccurate, as canceled debt does not constitute debt owed. 

See attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am XXXX   XXXX the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Kriya Capital, LLC
State: NV
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 having my credit report obtained there was a collection debt for {$91.00} with credence resource management. When confirming my address, Credence Resource Management did not have my Apartment number, therefore I had never received a bill from Credence ( nor from XXXX XXXX XXXX XXXX, the bill that went to Credence ) I paid {$91.00} to Credence Resource Management on XXXX XXXX,2018. I asked for a letter of deletion, thru said they dont do a letter only show paid in full on my credit report. I was told to call XXXX XXXX XXXX for the letter of deletion. I called XXXX XXXX XXXX  to be told they dont do the letter of deletion and XXXX XXXX XXXX  told me to call Credence Resource Management for the letter of deletion. I got the total run around from both companies.

This was their error. They didnt have my correct apartment number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: AES/PHEAA
State: MO
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:
After taking out Direct Parent Plus loans to put my daughter and son through college, I am fed up with the treatment and- let 's just say it- lies that I have been fed over the years. My payments have been on time and at the amount that I could comfortably manage. Two of the loans have been paid in full. I have taken advantage of the 0 % interest during the pandemic. Even with those measures, I still owe much more than I took out in loans. For example- one loan was for {$11.00}, XXXX. I have paid {$10.00}, XXXX and still owe {$6700.00}! Another example- a loan of {$12000.00} with {$7100.00} paid has a balance of {$15000.00}. As you see, the payment schedule with no confirmation and/or accurate counseling for forgiveness options leaves me with loans that I will never be able to pay off. 

This is year XXXX for me as a XXXX XXXXXXXX XXXXr. After hearing what seems like a million different things since I first took out loans to send my oldest daughter to college in 2011, my work in a low-income XXXX XXXXl recently qualified me for Public Service Loan Forgiveness XXXX From what my research tells me, I have probably qualified for this program- and possibly others- since that first loan was approved and dispersed. Rather than getting answers over the years in my many fact-finding phone conversations with XXXX and XXXX XXXX XXXX, I have had nothing but the runaround. One answer contradicted the next- sometimes within the same phone call. Yes- I took notes during these calls. 

Although I recently learned that I qualified for the PSLF, it was before the most recent changes to that program were announced. When I was notified, I talked with a counselor at the XXXX XXXX site to ask how my retirement after this year would affect this. I was told that I would have to continue working to receive the forgiveness because they do not count years of service ( I have XXXX qualifying years ). I was also told that I would have to start the 10 years/120 payments now since I just officially qualified, which would keep me in the classroom until XXXX. 

Because I tried in vain over the years to find out my options and make wise choices with the help of counseling through Navient only to receive bogus and ever-changing information, I feel that I have a case to bring to someone in a position to see that I finally receive some help. 

ATTACHED IS A COPY OF RESPONSES I HAVE RECEIVED OVER THE YEARS, WHICH ILLUSTRATE THE CONFUSING MANNER IN WHICH I WAS COUNSELED BY NAVIENT ABOUT MY LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
I had no problem getting the alerts for statements and due dates till last XXXX 2014. THey stopped emailing me. I didnt know when the due date and how much the payments for XXXX, XXXX, XXXX and this month. they charged me with the late fees and harassed me by calling me and sending letters, THey threatened me with filing for code of default. I emailed them and told them I never got the alerts. They replied back and falsely accused me for changing my email address and blocking the alerts. I never did that. And XXXX of their employees sent me a letter and still accused me. He was very narrow minded. And they refused to listen to me. When I called the bank customer service, they required that I should use the XXXX or XXXX. I am XXXX. But I do n't have XXXX or XXXX anymore. I only use videophone. They were so rude and disrespectful. I told them that they need to apologize to me but they refused. The bank 's name is synchrony bank ( Amazon store card ). My lawyer wrote letters to them to stop harassing me and they have to pay off the balance. It is not my fault. You need to talk to them. And they discriminate against XXXX people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Company: Avant Holding Company, Inc.
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:
avant credit card, Dates XX/XX/XXXX  XX/XX/, XXXX XXXX  Monthly payment XXXX  $ I requested Mutiple of times to have my late payments remove due to me being XXXX due to XXXX I was XXXX and wasn't able to make any payments or work at the time due to XXXX XXXX I advise advise the company requesting to have the late payments removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is inaccurate and was opened fraudulent and is not mine remove immediately.accounts are as follows XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Experian

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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent dispute letters to XXXX and TransUnion on   XX/XX/2020 and they did not give proof of how i was late on my XXXX card. I was never late paying my card.

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 2021-01-28
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I went to purchase an item in the screen shot below, I was asked to sign out of PayPal to make purchase as a guest. paid then was re-routed to a PayPal charity instead of getting a receipt, this name showed up, I saw my bank statement had removed the amount but under a different name altogether. despite still having it listed as a shop transaction it was coming up as a donation to PayPal. they refused to take action, stating that their policy did not cover the item transaction despite it being listed as a transaction having proof, filing a complaint several times and being unable to process a claim with PayPal because it was being listed as a donation. I called my bank and they said that they won't help or can't help and PayPal keeps closing my claims and has no actual resolution available for me. this has been going on since XXXX, I contacted them right away and initially they were going to take action but it had not posted yet, and was still pending. I can't get anyone on the phone together.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. In spite of the numerous previous written requests, the account, MIDLAND CRED, remains on my credit report in violation of Federal Law. They neglected to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on the dates below :  XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter XXXX, XXXX, and Equifax on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Answering CitiBank mailed flyer offering {$500.00} cash bonus for {$50000.00} deposit, in XX/XX/XXXX I opened a new CitiBank savings account to hold the funds. In XX/XX/XXXX I closed the account via Cashiers Check ( copy attached ), which i mailed same day to my primary financial institution, XXXX. When the deposit had n't posted, I returned to CitiBank ( XXXX XXXX, CA ) to report the problem. I was assured moves would be commenced within days to resolve the matter. Having heard NOTHING in two weeks, I returned, reported the total lack of follow-up to branch mgr XXXX XXXX. Re-started the process, with XXXX XXXX and me spending over 2 hours confirming with my XXXX XXXX representative that the check had never been received by XXXX. XXXX XXXX confirmed the AWOL cashier 's check had not been cashed. But instead of issuing a Stop Payment on that check and issuing me a replacement check, XXXX XXXX stated CitiBank had to wait 60+ days to ensure that the AWOL cashiers check was not deposited. Under the circumstances, XXXX XXXX said he would try to get my money re-funded the following week and promised to keep me posted. After 3 weeks of silence, I called XXXX XXXX again, learning that he was no longer with CitiBank. Apparently, he had left NO notes on the 3+ hours of my time spent in trying to resolve the matter. Not ONE of the Personal Bankers, including the Branch Manager, knew where my {$50000.00} was or when/how I could/would get it back. I was sluffed off to another officer to re-start the process de novo. Unwilling to start all over after CitiBank 's repeated lapses and failures, I sent a detailed Certified Letter ( attached ) to XXXX XXXX XXXX, CitiBank 's Chief Legal Officer, who in turn sluffed off my complaint to XXXX XXXX, client liaison, who emailed a form letter ( attached ) stating, among other things, " please be assured that your communication is important to us and will receive a deliberate and thorough review ''. On XX/XX/XXXX I returned the call as requested in the email and had to leave a message on XXXX XXXX 's Voice Mail. I have had NO written or verbal response whatsoever in these 3 weeks.
CitiBank does NOT provide its bankers adequate information on handling AWOL cashiers ' checks and does not require Officers to document issues or respond to customers. 90 days after initially reporting the AWOL cashiers ' check, I STILL have NO IDEA OF WHEN OR HOW I WILL EVER GET MY {$50000.00} BACK. This is beyond incompetence on CitiBank 's part ... ... ... .it is plain and simple consumer fraud

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 2023-08-17
Company: Genesis FS Card Services, 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:
Adverse Action Notice, action taken affection credit request or existing credit. False I didn't ask for XXXX. Consumer laws broken 1691 ( d ) ( 1 ) Serious Delinquency The proportion of Balance to High Credit on Bank Revolving or all Revolving Accounts Number of Accounts with Delinquency Time since Delinquency is too recent or unknown Too many inquiries last 12 months All this information is on my records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter XXXX, Transunion, and XXXX  on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.

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 2020-02-19
Company: Experian Information Solutions Inc.
State: KS
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 spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to Experian on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.

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 2020-02-19
Company: EQUIFAX, INC.
State: KS
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 spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX  on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.

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