BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all i ask them to remove this because this is not my debt. I was not aware of this being on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Alabama Housing Finance Authority
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:
I have been in forbearance since XX/XX/2020 with XXXX. On XX/XX/XXXX I called to remove my foreberance and pay my current balance owed of {$8400.00}. On XX/XX/XXXX I received a 35 point drop in my credit score due to an error at XXXX not applying my payment despite drafting my account of the funds. I filed a dispute with XXXX  who did nothing despite XXXX  admitting to me that it was an error on their end and that I should immeditately file a disupte with XXXX. I have an official letter from XXXX  documenting all of the facts of this dispute. I should not have any late payments or reduction in my credit score.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I RECENTLY MADE A COMPLAINT ABOUT EXPERIAN. I PUT A LOCK ON MY XXXX CREDIT IN 2018 AND UP TIL NOW MY USERNAME AND PASSWORD HAVE BEEN FINE. NEITHER SEEMS TO WORK. THESE XXXX WONT REMOVE THE FREEZE, UNLESS I SEND ALL MY PERSONAL INFORMATION THROUGH THE MAIL. AND WHO KNOWS THE FRUSTRATION THEY WILL MAKE FOR ME IF I WERE TO ACTUALLY DO THAT? THEY DO NOT ANSWER THE PHONE BECAUSE THEIR CUSTOMER SERVICE IS TERRIBLE. YOU GOVERNMENT XXXX  CLOSED MY FILE AS IFYOU HELPED ME, BUT ALL YOU DID WAS HELP THEM. AT AN EALIER TIME YOU WOULD HAVE HELPED ME, BUT NOW THIS XXXX IS TURING INTO XXXX. THE CITIZENS ARE GOING TO HAVE TO PUT ALLLL YOU XXXX  XXXX OUT OF BUSINESS. THE DAY WILL COME.

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 2020-12-11
Company: Experian Information Solutions Inc.
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:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX AND 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 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX 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 2020-11-16
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2020, we opened a secured credit card with Discover. We made all payments on time with no late balances nor issue. We made purchases on the card to just show the credit line was in use and maintained on our credit report. About two weeks ago we received an email asking us to verify some personal information. We submitted the information as requested through the IRS and contacted Discover to ensure that there was nothing else needed for us to regain access to our account and card. Today, on XX/XX/XXXX, they sent another email stating that our account has been closed. When I called to get information, as I thought this was surely a mistake, I was finally connected to a supervisor in account verification. XXXX told me the account was closed for a " business decision. '' We opened an account, paid our secured deposit and upheld every bit of what we were supposed to do. Two months later they decide to close the account for a business decision. 

We are in the long process of restoring our credit. This did not help, this actually puts us farther back than where we started.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted an application to open a checking account. The bank sent me a card and I activated it and started making deposits. I deposited {$470.00} in total. 

However, the account was locked because I apparently had not submitted some additional documents - Social Security card, utility bill. Unfortunately I need to order a replacement social security card and won't have a utility bill with my current address for a few weeks since I just moved. 

So I called Citibank and asked if I could just close my account and get my funds back since this was really too inconvenient for a bank account that was supposed to be a convenient way of tracking weekly spending. They said I could go to a branch and close the account and receive my money. 

I did that and the bank refused to give me my money, claiming that they would not distribute my funds until I provided my social security card and a utility bill. 

I believe it is patently unjust that an account would be active enough to accept my despisers but not active enough to give me access to my funds. I just want to get my {$470.00} back and be done with Citibank.

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 2019-03-05
Company: Bread Financial Holdings, 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:
Hello, I would like to dispute these hard inquiries that has shown up on my credit report : Here is the reason why XXXX. XXXX ( I am not certain who this is? ) XXXX, OH Inquired on : XX/XX/XXXX I did not give this company my permission to look inside my credit. I have not applied for any loans, credit card or any of the sort. There is no amount to report 2. XXXX Inquired : on XX/XX/XXXX I did not give permission for this business to look inside my credit I have not applied for any loans, credit cards or any of the sort There is no amount to report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: JPMORGAN CHASE & CO.
State: GA
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:
I noticed a pending charge on my Chase Sapphire Reserve Visa account XX/XX/XXXX for {$240.00} to a company that I have never transacted with " XXXX  XXXX  '' I XXXX  to see what the company sold it was steaks. I then called Chase and told this about this charge that I did not make and told them it was fraud and please remove, they temporarily removed the charges and started an investigation. XX/XX/XXXX XXXX XXXX delivers a box from XXXX  XXXX, I call XXXX XXXX and tell them to pickup as I did not order this and had reported a fraud with Chase. I am told by XXXX XXXX  that XXXX  XXXX  can only request a pickup. I then call XXXX XXXX, they have no customer service number, so I begin texting with them. They give me the email from which this order was placed, not my name nor anyone I know, " XXXX '' I tell them not me, please pick up, they say since it's my name on package along with again someone I don't know " XXXX or XXXX  '' and is perishable they wont take back. I put the steaks in my freezer, they are still there now, I also contact XXXX XXXX XXXX XXXX. Today, Chase tells me my fraud claim is denied as I received a benefit, which I disagree as I did not order nor have I eaten, as the steaks are still in my freezer. I have pictures of the box, the texts between XXXX  XXXX  and myself, the email to/from XXXX XXXX and the Fraud Denial by Chase. Please help me, I do not have {$240.00} to pay for 2 steaks I did not order. 

Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for a different repayment plan when i realized i could lower my monthly payments at the end of last year. When the repayment plan was processed, it was erroneously processed and capitalized interest was not added into the plan, causing an additional amount to show up as " past due '' on my account. In addition, i was not even contacted about the repayment plan being approved until after I called multiple times to check on the plan status and what the new payment would b due and it was not until XX/XX/XXXX that i even received the letter confirming this. I called muliple times and was told my " application was still being processed '' even though it was submitted at the end of XX/XX/XXXX and initally was given an incorrect payment amount via email. 

I have never missed an account payment as I am set up on an auto-pay plan. I filed for an income driven repayment plan because i can not afford the burdensome amount of the standard repayment plan. To then receive multiple notices from the student loan agency saying that my " delinquent '' payment has been reported to credit bureaus, then have to file a credit dispute form, all due to their administrative error is absolutely unfair. I followed all of the steps advised by the student loan agency once they admitted their error. They said that they would retract the negative credit reporting due to their error, but just in case to file a credit dispute form. 

After almost a month of waiting for them to actually process the fact that XXXX was incorrectly charged to me based on their administrative error, I called back and was told this was still processing. I then received a notice that stated the credit dispute request denied. This student loan agency is irresponsible in administering student loan and giving advice to its borrowers and does not have a timely method of resolving disputes that should easily be resolved through their administrative system. 

When i asked for documentation of my calls and requests regarding this matter, I was also told that none of the documentation of their error could be put in writing because they don't send individual letters to people. The only documentation of the information i was provided is through the multiple telephone calls i have made throughout the month of XX/XX/XXXX and beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Thaxton Investment Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account went delinquent, and was charged off. However, the company, Heights Finance, obtained the services of an attorney. I paid the attorney in full. The account continues to show a charge off/continuing delinquency with an ongoing status. it should be paid, closed with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In the month of XX/XX/XXXX ( XX/XX/17 ) I filed a complaint which was similar, if not the same, in nature as the one I am filing now. As before, I received multiple phone calls throughout the months of XX/XX/XXXX and XX/XX/XXXX, after the duration of my previously instated deferment period was to expire. I sent an email inquiring about my eligibility for a deferment, and received an automated reply back stating that they would need time to " research my account, '' whilst repeatedly calling me on whether I wanted to opt into forbearance to the point where I stopped responding to their calls. I also recently received an email urging me into opting into forbearance, which I have attached. I'm getting kind of tired of this and would rather have them outright tell me they don't check the NSLDS or XXXX unless someone with clout tells them to rather than have to file a complaint to the cfpb each time this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: NH
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:
-On XX/XX/2020 I applied for a mortgage and my credit report was legitimately accessed by the mortgage company -It was discovered that my credit was significantly impaired due to a fraudulent delinquent item on my credit report -The charge in question for {$1700.00} was fraudulent, details as follows : XXXX XXXX, Account # XXXX, opened on XX/XX/2020 -Sent to collection XX/XX/2020, collection company : -XXXX XXXX XXXX, phone # XXXX XXXX XXXX XXXX  XXXX  repeatedly, they answered but hung-up each time upon transfer or otherwise -Called XXXX XXXX XXXX XXXX repeatedly and they hung up on me each occasion -Fraud report # filed under Experian : XXXX -Police report filed on XX/XX/2020 with our local police dept.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX  ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-03
Company: CITIBANK, N.A.
State: OH
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:
I received an overdue bill from Citi/Costco today, XXXX XXXX, 2017 via USPS. Statement says my account is 3 months past due and that I owe {$150.00}. A few days ago I received an automated phone call saying I owed the same amount and asking me to provide payment information over the phone. I thought that was a scam call and provided no information. I have, however, never requested or received a Citi credit card. Recently Costco changed its sponsored credit card from XXXX XXXX to Citi. I used to have an XXXX card, connected with Costco, but I had not used it in quite a while. I received notices saying Citi was the new sponsored  card for Costco, but I never responded to ask for a card because I no longer shop at Costco. 
The company says my account is three months past due, but this is the first bill I 've received from  them. And I repeat, I 've never received a credit card from Citi! After I read the statement I received today, I called the phone numbers on the bill : Customer Service - XXXX, and also XXXX. The message and options provided at both numbers were the same ( except for a slight change in the instructions for getting a XXXX-language message ). There were three options offered, all geared toward making a payment. I could also choose to repeat the options. There was no option to speak with a human being about the account. So I went online to citicards.com ( I believe that 's how I got to their site. ) Under " Contact Us '' were listed several phone numbers, including " Consumer : XXXX '' and " Lost/Stolen : XXXX. '' At the XXXX number, I received the exact same message I had heard earlier -- again, no chance to speak with a human. So I figured perhaps someone else had received the card that Citi claims to have sent me, and they were using it, so I called the " Lost/Stolen '' number, and heard the exact same message, starting with, " This is an attempt to collect a debt. '' (! ) No option to speak with a human, on the lost/stolen card line -- that was curious. So -- I see no way to contact Citi/Costco about this alleged overdue account, the card for which I have never received. I 'd like to speak with a Citi representative to clear up this matter. They claim I owe them {$150.00}, but I do not owe them anything. They owe me for my spending well over an hour ( so far ) trying to correct their error.

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 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 2020-12-11
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:
on XX/XX/XXXX Chase closed my account due to fraudulent activity however I was not notified. I drove to my local bank and spoke to a banker about my account but they didn't want to help with my situation or give me information, they told me to call costumer service number and that they can no longer give me any information and stopped their investigation with not resolving anything. With this happening with my new job it has created a finical hardship I have not been paid for almost 3 week and struggling to pay my bills. This is very inconvenient for me and I expect better from chase bank employees and company. It would have HAVE BEEN NICE TO BE NOTIFIED THAT I HAD FRAUDULENT ACTIVITY ON MY ACCOUNT WITH MY PERSON INFORMATION.

Company response to consumer: Closed with explanation