BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with Citibank NA. I do not dispute that I had a credit card with Citibank. What I find as a problem is that I never received notice from Citibank that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by Citibank to XXXX XXXX XXXX XXXX , XXXX. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. Citibank NA knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to Citibank NA and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.

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 2020-11-25
Company: Experian Information Solutions 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 applied for a loan with XXXX but I was rejected even though my XXXX and XXXX accounts said I had a XXXX XXXX  score. XXXX said I should verify my information with the 3 credit agencies. I noticed that Experian has 2 late payments which are not accurate and a collection amount of {$640.00} The collection is for a {$640.00} fake XXXX XXXX bill. I filed complaint with XXXX XXXX. Experian ruined my credit based on inaccurate information. I can fix my credit if I pay monthly fees of {$24.00}. Is it not extortion to pay Experian so they stop reporting unverified fake information about me. I should not be responsible to make sure Experian reports correct information about 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 2019-08-16
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:
My XXXX bill was due XX/XX/XXXX; I paid XX/XX/XXXXXX/XX/XXXX - 17 days late. They reported me to credit bureaus as being 30 days late. I sent them a message XX/XX/XXXX but received no resolution. I disputed with Transunion, and XXXX/XXXX reiterated the 30-day late payment. I also find I was charged XXXX credit insurance on my account which I never signed up for.

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 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2018 I spoke to a Bank of America specialist and was given my payoff balance with interest. I sent payment in the amount stated XX/XX/XXXX thru XX/XX/2018 Bank of America recorded multiple 30 and 60 day late payments for a balance of 1.50 left over from the payoff balance incorrectly given. The bank did not contact me and I did not receive a statement. I wasnt looking for one since I paid the stated payoff balance in full and had not used the account again. The bank closed the account and reported the account to all 3 agencies. Im requesting the negative information be removed and the account reopened - due to the banks error ( s ).

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 2023-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keeping calling me for the last XXXX years and XXXX months from different phone number morning and night repeatable. I'm sick of it the most recent call I have is on XX/XX/XXXX XXXX XXXX. 2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit 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 2018-10-01
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with XXXX XXXX. I do not dispute that I had a credit card with XXXX. What I find as a problem is that I never received notice from XXXX that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by XXXX to JH Portfolio Debt Equities , LLC. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. XXXX XXXX knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to XXXX XXXX and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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:
Im in the midst of closing on my mortgage, when a reporting appears from XX/XX/2016 from Treasury Department on my credit report at the last pull before closing, this account isn't mine, but I related to Equifax to whom it belonged to, and was ignored, I don't have time to wait for the improper investigative process that results in not factual results but whatever is profitable to the corporation. 

For over five years I have sent these documents to Equifax stating that unless the creditor reports my name on my social security card, then its not me, and they have ignored it because its profitable to ignore, and continue reporting other information. 

The debt reported as XXXX XXXX XXXX is reporting in a name that isn't on my social security card, and not on my credit report, but Equifax still reports it, recently they found that a credit card using another social security number was on my credit report, that wasn't my name or social security number, yet still reporting, and for three years reporting public records of bankruptcies, which just as the credit card, was probably belonging to XXXX, which isn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: JPMORGAN CHASE & CO.
State: IL
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:
XXXX XXXX XXXX XXXX, Il XXXX XX/XX/18 Chase Card Service XXXX XXXX XXXX XXXX, De XXXX ( F ) XXXX To Whom It May Concern : I am faxing this & sending via USPS. I am a regular Chase customer with Savings & Checking accounts. I also have a very good credit score with my monthly bills being paid on time. I am a senior citizen on a fixed income. I have # credit  cards. Yet when you sign up for credit cards, it does not convey the holder of these cards. Well I realize that @ least 3 of my cards are generated by Chase Bank. Mainly my XXXX card ; XXXX card & XXXX XXXX. 
With the XXXX season upon us, I have XXXX grandchildren to purchase gifts for. I had called the individual cards to inquire re : decreasing my interest rates. This was NOT considered by any of the cards. I am annoyed that with all these cards & Chase is making a lot of money off my interest % & yet not one will decrease my interest rate!!!!!! 
Why is Chase Bank sucking the air out of my lungs with these high interest rates????? Chase is making a lot of money off my purchases & yet wont consider lowering my interest rate on any one of the three cards. Disgusting customer service. 
Please contact me @ XXXX to inform me IF there is any consideration to be given to decrease my interest rates on any or all of the credit cards. As a large conglomerate, I do believe you are not suffering any financial hardships. PLEASE give this consideration. 

Respectfully, Ms. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see fraudulent inquiries. This is very upsetting, please remove these inquiries from my credit report within 4 business days. 





Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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 reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.

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 2020-11-26
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 not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 2022-11-25
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is the second time an unauthorized account was opened under my social security card with this company. I was sent an affidavit which I've filled out and sent back but the account still has not been removed from their system. I've attached the identity theft report as well as the affidavit that was sent to me by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX is reporting two fraudulent accounts on my report and refuses to block said accounts. 

I have attached an FTC affidavit with the accounts.

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 2018-07-18
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have five visa debit gift cards that I am trying to find balances of and I am unable to do so at the website found on the card : XXXX  Each time I enter the card number, it indicates " One or more field values entered are incorrect. Please try again or call XXXX for assistance. '' This is happening for all five debit gift cards, to which I have called the phone number and the automated voice tells me that there is a problem and to try again at another time and disconnects. I am unable to talk to a customer representative and I am unable to find out the balances on the cards. Furthermore, a {$2.00} inactivity fee is deducted from the balance of the card after 12 consecutive months of inactivity. The name of the issuer : U.S. Bank National Association.

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 2018-05-17
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, PNC, but both have claimed they are unable to do anything at all. PNC will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXX bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I spoke to a Ditech representative, she set up electronic payment arrangement plan for my to pay back the pass due amount for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, totaling at little over {$3200.00}. Today I was informed the mortgage is in foreclosure and I must pay over {$7500.00} to reinstate the mortgage. Apparently it went to foreclosure on XX/XX/2019. I spoke with two representatives today, each had different information to share. The first one said I will receive a reinstatement letter with past due amount plus legal fees due and the second representative informed me the payments electronically taken will be returned. I thought I was on a payment plan to repay loan. I am not getting correct information and I don't understand why payments were never applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$250.00} ) has inaccurate evidence. The Balance of {$250.00} reported by Equifax does not correspond to the lower amount that I remember. The Past Due amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Therefore, I request that Equifax marks this account as disputed to prevent further damage to my credit score. 


The account XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) is inaccurately reported. The Balance amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, Equifax 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request Equifax to mark this account as disputed until a resolution is reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2019 Auto debt for my Citibank thank you card in the amount of XXXX $ was supposed to be debted out of my checking account. Instead close to {$4000.00} was debted out. Leading to a missed payments of my mortgage, daycare, and other utility bills. The company states that they will look into the situation and get back to me within 2-3 business days. By that time I will have racked up over {$300.00} in return charges.

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 2023-09-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
I have reached out to Navient numerous times in an attempt to lower my monthly payments and/or lower my interest rate. Every time they strongly suggest putting the loan into forbearance until I am able to make the monthly payment. I do not feel this is an acceptable option. 
The loan was acquired by Navient from Sallie Mae in XXXX at the amount of {$10000.00}. Even with the amounts paid since then the loan balance sits at {$10000.00}. There is a current amount of {$38000.00} in Accrued Interest. How is this acceptable? How is anyone alive able to crawl out of this? 
My wife & I were forced to file bankruptcy when the pandemic hit. Yet the loan still stands and payments are still being made. I feel Navient has gotten more than their fair share at this point.

Company response to consumer: Closed with explanation