BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: SC
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:
Upon a review of my credit reports with XXXX, Experian, and XXXX, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXXXXXX  containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received XXXX letters from XXXX postmarked XX/XX/ stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/XXXX  This letter was delivered on XX/XX/. Disputes filed with XXXX, XXXX, and Experian all came back as " verified as accurate ''. I received a letter from XXXX on XXXXXXXX  dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.

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 2021-10-12
Company: EQUIFAX, INC.
State: SC
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:
Upon a review of my credit reports with XXXX, XXXX, and Equifax, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. Disputes filed with XXXX, Equifax, and XXXX all came back as " verified as accurate ''. I received a letter from XXXX on XXXX dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
.. The inaccurate and unverified item listed below remain on my credit report in violation of Federal Law. This account was settled with original creditor.There is no contract with collection agency, no valid verifiable claim. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct? Who verified this account? 

Transunion has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Account : XXXX {$2300.00}

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 explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/ I sent a letter regarding inaccurate and unknown items on my credit report. On this day XX/XX/XXXX  90 days letter I have not received a response yet. I feel as I'm being take advantage of and being ignored of my disputes. Section 611 ( a ), it plainly says that a failure to investigate these items with in the 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted Promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021 I sent you letters regarding those inaccurate information but, to this date, over a month has passed but I still havent heard anything from you. What's going on with my dispute, I have been sending you letters but it seems that you are not taking my words seriously, I heard you are trying to save money ignoring consumers dispute letters, I am seeking help to every entity that can help me regarding this matter, I am willing to go as far hiring an attorney if you continue to ignore my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
XXXX XXXX XXXX  American Express XXXX  These were just a few I noticed I didn't apply for called company didn't remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed without any notice, I went to use my card with a XXXX   balance and was informed it was closed. I called customer service to find out why and was told a letter is on the way to me and the account was closed based off of the information provided by XXXX. I looked at my XXXX   report and my score has increased over 70 points in the last 2 months - no collections as of XX/XX/18 and not negative marks. How is that good information reason to close my account? I am trying to purchase a house and was told not to close any accounts as that will impact my credit. Closing my XXXX XXXX account is in retaliation from Synchrony from my filling a complaint in XXXX asking for my lowered credit limits to be increased. How is it that my credit improves and then my account is closed. I paid all but 1 Synchrony account down to a XXXX balance and then they close the account based off of bad credit details provided by XXXX. My score is higher with XXXX now that it has been in the last year or so - so I do not understand. Why was my account closed and was the information valid from 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 2020-09-24
Company: EQUIFAX, INC.
State: GA
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 sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last month, XXXX XXXXXXXX XXXX XXXX reported : " ... Citigroup announced that it would issue refunds to some 1.75 million credit cardholders who had been charged interest rates that were too high. '' It was also reported that, " Citi said it had erred in how it calculated to reduce penalty rates for customers after they had demonstrated a track record of six months worth of on-time payments. This is mandated by the CARD Act, a piece of legislation introduced almost a decade ago aimed at protecting bank customers. '' Also reported, " 'While we believed our methodology was sound, a periodic internal review identified potential flaws in the methodology, ' a Citi spokeswoman said in a statement. 'We informed our regulators, revised our methodology going forward and conducted a comprehensive review of our process '. She added that the bank found no evidence of employee misconduct but that it 'should have identified these issues sooner. ' '' Ive been a Citi Diamond Preferred Card holder since XXXX. Ive NEVER missed a payment, usually pay more than the minimum due, and have a credit rating above 750. My interest rate : 29.99 %. ( I was told that my introductory interest rate had been increased years prior because I had made a cash advance.  ) I have REQUESTED and received interest rate reductions twice since XXXX. When I requested the reduction last year, I was told I would receive it for six months after which Id have to wait six months to request the reduction again.

I believe that CITI has a stated policy that the customer could receive a lower rate for six months, after which the customer has to wait six months to again request a lower rate. This is a bit different from what the Citi spokeswoman said in the newspaper article.

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 2018-03-14
Company: AES/PHEAA
State: IL
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 graduated from XXXX XXXX in XXXX. I plan to work for a XXXX XXXX  and so initiated on the income based repayment plan, with hopes I would qualify for the Federal Student Loan Forgiveness program. Initially, this was not a big issue. However, several years ago, my loans were transferred to Pennsylvania Higher Education Assistance AgencyXXXX and ever since even enrolling in income based repayment is an issue. This year, I submitted my financial information via two sequential paystubs at the end of XXXX. Apparently, they sent me a letter ( otherwise, all my payments/communication done via email/online mailbox in this system ) telling me this was not accepted as it did not state if I was paid twice a month or every other week so it was refused. I started to be billed for regular payments on a standard 10 year plan, with a monthly payment of ~ {$3700.00}. I work in XXXX XXXX and finally called - all they needed was for me to tell them over the phone and resubmitted the request last week ( XX/XX/XXXX ). On XX/XX/XXXX, I received the following message " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' I called them today ( XX/XX/XXXX ) and after a 15 minute wait to get someone on the phone, they state that this was generated in error. The gentleman I finally spoke with on the phone did state I needed to make a forbearance payment before even being eligible to switch the plan. He put in a request for this, and I should get a bill for this in XXXX or XX/XX/XXXX, after which they will reactivate my request and hopefully approve me again for income based repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Back in XXXX or XXXX of 2021 I received notification from Best Buy through a mailed statement that I had a balance due of XXXX. I did not purchase anything with my card nor had I used my card in well over a year maybe two. I proceeded to call the customer service number where I then got the run around about it being a charge to renew my card because it had not been used. I told them over the phone plus returned the statement to them via mail with a note on it telling them that I wanted the card canceled and that I was not going to pay for renewal of a card that I was not using. The following month I received another statement from Best Buy showing the XXXX charge plus fee charges of XXXX dollars plus XXXX dollars in interested charges bringing the balance I supposedly owe them to XXXX dollars. I then proceeded to call them again and tell them that this was ridiculous the card was already canceled and I was not paying these charges. I also sent them notification via mail. I received another statement in XXXX for a balance of XXXX dollars and now in XXXX I received another statement with the balance up to XXXX dollars for a previous balance of XXXX plus XXXX in fees charged and XXXX in interested charged. I am not paying nor do I feel I should have to pay any of these charges being that I am elderly for one and live on a fixed income and two for the simple fact that I did not purchase anything to have these charges nor did I ask for them to renew my card or anything else to acquire these ridiculous charges. When I call the customer service number all I get is a run around and hassle. No one once to do anything to resolve this issue and these charges and I am not paying for something on my limited income budget that I did not purchase or ask for and every month the bill goes up more and more on something I did not ask for or again purchase. And now there are threatening to send me to collections for these charges that again I did not purchase or ask for. My credit card was through Best Buy and financed through Citi Card. These companies both have lost my business and respect. Please help me with getting this situation resolved as this company is harassing me with bills and threats on charges I never should have acquired to begin with.

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 2019-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with Bank of America for about 13 years. It has been beyond challenging every step of the way. The mortgage is in the name of the Estate of my deceased partner. Early on, I sent B of A documentation dozens of times in order for me to have access to the account allowing B of A to discuss the loan with me. Finally the last few years have been somewhat smooth as I am the only one associated with and paying this loan. I pay the mortgage on time and for the past 3 years or so have been paying an extra {$500.00} a week. Finally their system was posting the extra payments properly to principle.

B of A recently transferred my mortgage to XXXX XXXX XXXX. It should be mandatory that when a company transfers a mortgage they they transfer the mortgage with all documents and authorizations that belong to the mortgage. Bank of America did not do that. 

I called XXXX and via the automated system was able to deduce that they are not posting my {$500.00} to principle but instead to future payments. That is not the way I want it and I have the right to make extra principle payments. The problem is XXXX refuses to speak to me because they way I'm not authorized on the account. INFURIATING!! 

They say I have do dig up the past related to the death of my partner and find old documents and prove I'm authorized on the account. I'M NOT DOING IT! Bank of America has those documents and has received them more times that I want to recall. Bank of America needs to contact XXXX with the documents and then get all of the principle payments sorted out as that is impacting the amount of interest I pay. The consumer should not have to fix the problems that to big lazy institutions have created. These kinds of errors and sloppy postings could ultimately create issues that might impact my credit. I want this fixed now but B of A 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
Consumer complaint received 2021-10-12
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Balance Healthcare Receivables LLC sent me a deceptive form stating that I owe an alleged debt and to pay them. I owe no such debt and I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was recently reviewing my loan contract because I do not understand how my unpaid principal balance is so high based on the amount I borrowed 4 years ago. 

I pulled all of my loan contracts for review and noticed a substantial discrepancy. The day that I took delivery of the new vehicle from the dealer, gap insurance I wanted was omitted, and you will notice that loan contract used an interest rate of 11 %. About 4 weeks later, I returned and was asked to sign a new contract that included the gap insurance, and the new loan contract appears to have an interest rate of more than 21 %. I do not understand this and believe I have been the subject of a bait and switch scam and also believe I have been treated unfairly and deceptively. 

Additionally, I asked someone who knows a lot more about these matters more than my husband and me, and he ran an amortization schedule for the loan. He seemed to think that the unpaid principal balance could be more than {$4000.00} too high. 

We firmly believe the car is so far under water, partly due to the potential incorrectness of the amortization schedule. 

My family is poor and we have lost my husbands income due to an awful workplace accident that has rendered it difficult for him to work. We barely get our bills paid, and I would like to know why the interest rate for this loan appears to be 10 points higher about 4 weeks after closing than it was earlier at loan closing and car drive away. 

Please help us. I can not afford an attorney. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase has been harrassing me and verbally abusing / threating me viathe phone. I have several nasty voice messages from them on my voice mail for proof. they unlawfully closed down my business card all because a women in there corporate office has a personal vendetta against me. i have noticed they are violating the fair credit reporting act and illegally spying on my credit reports. i have a private investigator who c onfirmed i am being harrassed and discriminated by them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery has called several times a day including Sundays on a debt that has been wiped clean by XXXX due to it being almost 19 years old. However, even with that info Portfolio Recovery still calls and still harasses,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
this number XXXX calls me every two hours up to 4-6 times a day after telling them to stop

Company response to consumer: Closed with non-monetary relief