BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: CITIBANK, N.A.
State: CA
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:
Citi advantage credit card is taking greatly advantage of consumer and specially me. I started this credit card with a balance of {$3000.00} with a payment of XXXX and now my payments range from {$88.00} XXXX month and never go down making be slave of the credit card for years. I have a very interest rate I spoke with rep XXXX rep # XXXX and told her that I had to spend money on funeral expenses and will be great to lower my interest rate and of course CITI was careless about any hardship with customers. 

I been paying this card for over a year and if I count all my payments plus the amount give. I paid more than I borrow in credit making be an slave of interest and payments. This is really predatory interest rate at its best. I want to live pay a CC not a mortgage loan for 6 years because that what will take me to pay.

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 2017-09-22
Company: EQUIFAX, 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:
Hackers stole sensitive financial data and my social security number from Equifax and company failed to alert me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-08-26
Company: U.S. BANCORP
State: NY
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 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2019-10-14
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019, my bank sent University Accounting Services the payment due on XX/XX/2019. Documentation indicates it was received by UAS on XX/XX/2019. 

UAS sent a report to the credit bureaus indicating that I had missed my XXXX payment. My credit score dropped 140 points. 

I contacted UAS by internal website messaging and by phone. I also submitted a dispute form to XXXX XXXX regarding this issue. 

The customer service agent at UAS insists that the payment received on XX/XX/XXXX was payment due on XX/XX/XXXX. I told her that this was incorrect. I have documentation from my bank showing all payments were sent two weeks ahead of the due dates to insure proper time for application.

She has sent my account to an accounting specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XXXX/XXXX/XXXX XXXX XXXX reports invalid fraud lent information stating a address I did n't live within I also have proof to prove my report and also they reported I owe something to them but I do n't owe anything because I left due to domestic reasons and it was on the news. The original report was made back in XXXX/XXXX/XXXX but I am no longer even in that place and still putting unverified information on my report this information is not correct and not valid. Date of my last activity was not 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 2018-09-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 an inquiry was placed on my XXXX report by this company that I do not recognize. I would like to request to have this inquiry removed ASAP. Otherwise please show signatory proof that I in fact did apply for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
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:
On XX/XX/XXXX Transunion responded to Federal CFPB that XXXX XXXX XXXX # XXXX derogatory remarks of XXXX was deleted from my credit report and Transunion and XXXX XXXX XXXX XXXX falsify to Federal Government that XXXX, XXXX that I had late payments. 
According to my XXXX XXXX checking account ending # XXXX evidence it shows that all my timely payments was called to XXXX XXXX before due date of each month on the XXXX. 
This is a Retaliation and Discrimination of Transunion, XXXX, XXXX   and XXXX XXXX XXXX administration for preventing me from obtaining a VA Loan and destroying my credit and scores. 
A Federal Discrimination and Retaliation was filed against XXXX, Transunion, XXXX and XXXX  with ADA Disability Civil Rights Act under the Department of Justice file case # XXXX. 
I am respectfully requesting a Federal Investigations against XXXX, XXXXn, Transunion and XXXX immediately. 
I am going to give my Privacy Release Consent to US Senator XXXX XXXX on my Federal Complaints and issues of Discrimination and Retaliation of my XXXX XXXX as XXXX XXXX American.. 
I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 
This is a Urgent Matters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: ERC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After auditing my credit reports, I discovered that Enhanced Recovery Company is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with sprint, never done any business with Enhanced Recovery Company, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. 

Account : XXXX Amount : {$560.00} " open date '' reporting : XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX. I'm not sure if I chose the correct explanation for what my issue is. But on my TransUnion credit report it shows XXXX collections from XXXX XXXX XXXX XXXX XXXX XXXX. Well first it is not on my XXXX credit report so I don't understand why it's on TransUnion. Anyways, that should not be on my credit report because I did not ever use a credit card to make payments. Second it is not a loan to me not did I ever get money from them as a loan. It's a bail bonds that I paid in cash. And the person which I bailed out went to jail two days after bailing him out. Third you can not put something on my credit report that I did not establish credit from. Please remove this as it is making a hardship for me.

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 2019-04-19
Company: SYNCHRONY FINANCIAL
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: Billing dispute for services

Complaint:
When looking on my credit I noticed that SYNCB/Synchrony MC decreased my limit by {$3500.00}. This dropped my credit by 33 points. It states that this credit limits as of XX/XX/2019 was XXXX and then as of XX/XX/2019 it was XXXX. I contacted the credit company and they stated that did not do anything to my account and it actually was due for an increase limit if I wanted. I am in the process of buying a house and this is detrimental to my loan. Please fix immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Barclay 's Arrival Plus had a promotion of a sign-up bonus for XXXX miles if you spend at least {$5000.00} within the first 90 days after opening. On XX/XX/2019 I was approved. I had until XX/XX/2019 to spend {$5000.00}. 

Twice before the due date I called Barclay 's customer service confirming the date and the amount I have left to spend. Both customer representatives also referred me to check my account online on a tool called " Spend Analyzer '' to determine how much I spent up to that point. This tool is inaccurate. It includes credit card fees that aren't counted toward to {$5000.00} requirement, but I wasn't informed that nor were the customer service representatives aware. 

After my 90 days passed, I fully expected to receive my bonus. I called customer service and they said I didn't meet the requirement. I thought this was a miscalculation on their part because I downloaded my statement and it showed I was over the {$5000.00} and matched the Spend Analyzer. I opened a case so they can review if I spent enough. It wasn't until later that if I removed the fees, my calculation matched the customer rep. But the company never contacted me back after they closed my case. 

I called again and spoke to a customer service manager. This time reporting that their tool was misleading and that I would absolutely have spent the $ XXXX I was short to earn {$700.00} in rewards if I had known the true calculation. Who wouldn't spend {$15.00} more if it meant {$700.00} back? They opened a new case. I was still not rewarded the bonus nor did they contact me back.

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 2018-01-10
Company: Nelnet, Inc.
State: TN
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 have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXX and XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
i have submitted a fraud identity report from the police department as well as a FTC Idenity theft report I also uploaded documents via CFPB portal to all 3 credit bureaus advising that these 3 medical accounts are not mine I submitted my health insurance card and also my HSA visa card with over 2800.00 for medical expense I have been insured for over 6 years with the same health provider. these are not my medical accounts and I want these items removed ASAP if you r bureau has already removed please disregard. please review recent documents submitted by the CFPB in refrence to these accounts 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 non-monetary relief
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXXXXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
XXXX obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
Re : USAA XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO USAA Federal Savings Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, USAA would have notified me and I have no records of them doing that.

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 2019-04-19
Company: Experian Information Solutions 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:
On XXXX XXXX XXXX responded to Federal CFPB that XXXX  XXXX XXXX # XXXX derogatory remarks of XXXX was deleted from my credit report and XXXX  and XXXX XXXX XXXX XXXX falsify to Federal Government that XXXX, XXXX that I had late payments. 
According to my XXXX XXXX checking account ending # XXXX evidence it shows that all my timely payments was called to XXXX Rep before due date of each month on the XXXX. 
This is a Retaliation and Discrimination of XXXX, Experian, XXXX  and XXXX XXXX XXXX administration for preventing me from obtaining a VA Loan and destroying my credit and scores. 
A Federal Discrimination and Retaliation was filed against XXXX, XXXX, XXXX and Experian with ADA Disability Civil Rights Act under the Department of Justice file case # XXXX.

I am respectfully requesting a Federal Investigations against  XXXX, Experian, XXXX  and XXXX  immediately. 
I am going to give my Privacy Release Consent to US Senator XXXX XXXX on my Federal Complaints and issues of Discrimination and Retaliation of my National Origin as XXXX XXXX American.. 
I am respectfully XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
This is a Urgent Matters!

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 2019-10-14
Company: Texas Guaranteed
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trellis company is insistent they i owe for two student loans in the amount of XXXX and XXXX dollars respectively. However, not only have i never procured a loan from this company or any other student loan guarantor, I have never been a student, considering I began to serve in the U.S. military directly after my high school tenure and have remained XXXX since XX/XX/1998, thus proving that I have not been a student since XX/XX/1998, and could not have applied for any student loans. I have contacted the US Department of Education, the local police, and the ftc in regards to this matter. This company is tarnishing not only my good name, but my hard earned credit worthiness as well by placing this fraudulent account on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo carried our mortgage for four years, or 48 payment cycles. During one of  those, we experienced an issue with our checking account being hacked, and it happened to be the one our mortgage came out of automatically, making the payment late ONE TIME. 

We cleared the issue up by phone with Wells Fargo and got everything back on track, but my credit report STILL shows that one blip, and it is damaging my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage through autopay with my bank. The payment is sent out a day in advance each month. In XXXX, 2018 my mortgage payment was sent to Amerihome and received. On that same day, the company reversed the transaction and, instead of posting the payment to my account, sent the money somewhere else. I have spoken to multiple customer service representatives on multiple dates. They have all told me that there is an internal problem, not to worry, and they would fix it. I was told, multiple times, another department would have to review my account, but it should be fixed shortly. I received an email about a month after my last phone conversation that said they had refunded my payment, and I was a month behind on payments. I have reviewed my account statements many times, I have called my bank, and I can not find any refund of my payment. At this point {$1400.00} has been stollen from me. Please help me to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, Transunion, XXXX, and 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