BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: CITIBANK, N.A.
State: SC
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:
FRAUD. THIS CARD WAS OPENED FRAUDULENTLY UNDER MY NAME. I AM A VICTIM OF IDENTITY THEFT AND I WANT THIS CARD THAT I DID NOT APPLY FOR REMOVED FROM ALL CREDIT REPORTS 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 2023-04-16
Company: EQUIFAX, 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:
I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX acct # : XXXX Amount : {$580.00} XXXX XXXX  acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: North Shore Agency, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had 4 lines with XXXX XXXX, had an account with them for 5 years. In XX/XX/XXXX I called them and told them that I would be disconnecting my service. Out of the 4 lines on my account, there was one that had a contract on it. The phone was completely bought outright almost 2 years prior and I was told on XX/XX/XXXX that the contract would end on XX/XX/XXXX. I recieved a letter from XXXX dated XX/XX/XXXX stating that the bill due was {$400.00}. I called them, spoke to a representative on XX/XX/XXXX who then stated that the amount due was {$590.00}. Since I disconnected my service in XXXX, all of a sudden I was hit with a huge bill for {$880.00}. I could no longer access any bills on the website and I then called XXXX XXXX and requested copies of the bills for the past few months. I did not believe that I owed them the above amount. I recieved a collection letter dated XX/XX/XXXX for {$880.00} from XXXX XXXX. I then received copies of the bills directly from XXXX XXXX dated XX/XX/XXXX. How could I possibly be in collections for a bill and I hadn't even recieved a billing statement? I have no idea. One of the things that XXXX kept saying to me was that I was always billed a month ahead. Well if I was billed a month ahead for service, how in the world could I owe such a huge amount? As I looked over the months bills, I see that they charged me {$140.00} for early termination. I should not have been charged this amount. That still doesn't add up to {$880.00}. In XX/XX/XXXX I called XXXX and could not get through to billing or a live person since I no longer had service with them. I was transferred and given automated information stating that the account was now with a collection agency out of NJ -XXXX. I was not sure who that was. Surprisingly I received another collection letter from North Shore Agency out of NY. I went online last week - XX/XX/XXXX and put in a request for them to contact me as I wasn't sure who to dispute with or contact regarding the incorrect amount. I made a payment in the amount of {$85.00} online with the company and all of a sudden I was hit with a collection on my credit report. Before hitting my credit report I expected to hear directly from them regarding the amount in question. I reached out to both XXXX XXXX and Northshore agency as I wasn't sure who handled the account. The above amount is in question and I don't believe that I owe the original creditor XXXX XXXX {$880.00}.

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 2023-04-16
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have told every Navient purpose I talk to to not call me. Despite this, they continue to harass me by ignoring my requests and calling me multiple times a day and hanging up. For instance : XXXX XXXX XXXX  - 4 calls XXXX XXXX XXXX  - 4 calls XX/XX/ - 4 calls XX/XX/ - 4 calls XX/XX/ - 5 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 3 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 3 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 5 calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions 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:
XX/XX/XXXX I DISPUTE A 30 DAYS LATE ON MONTH OF XX/XX/XXXX, THAT IS REPORTING ON MY CREDIT REPORT INACCURATE. I RECEIVED RESULTS STATING IT WAS VERIFED. I DISAGREE, IF YOU WOULD VIEW MY FULL CREDIT REPORT IN YOUR SYSTEM. YOU WILL FIND THAT I PAY ALL MY BILLS ON TIME. THERE IS NO OTHER MISSED PAYMENT REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX I HAVE ALSO REACH OUT TO XXXX XXXX XXXX XXXX AS WELL. I HAD NO KNOWLEDGE NOR NOTICE OF THIS ACCOUNT WAS GOING TO BE REPORTING 30 DAYS LATE.

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: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I applied for the hamp program making home affordable. Webster Bank which is a federal government bank refused to honor the HAMP and offered this to others. 
The bank made me wait 2 years for a modification and didnt start as contracted. 

My interest rate prior to modification was 3 % they increase to 5.5. 
Also charged extra over XXXX for modification. Bank is reporting incorrect balance. I never agreed to pay addition XXXX XXXX The modification increased my interest rate and payments are increasing often. I dont agree to balance owed. The taxes only went up 120 in a year. 
Bank refused to fix or grant error back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting a repossession on my credit file. This is not a repossession. This account is in good standing.

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 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with Transunion and XXXX, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.

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: Nelnet, Inc.
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: Account information incorrect

Complaint:
The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} ; XXXX XXXX XXXX XXXX XXXX  {$490.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Navient Solutions, LLC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

NAVIENT # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, XXXX : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently homeless. Please HELP! 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Called in to Chime online banking disputes department XX/XX/23 to file a claim for {$120.00}. The funds were taken by XXXX XX/XX/23 and promised a refund by XX/XX/23. Order was cancelled. When I filed the dispute Chime told me I was ineligible for a provisional credit due to Regulation E, which is incorrect information. I told them the dispute was for refund not received and the representative filed incorrectly, which a supervisor I spoke to after confirmed and claims she updated but that wasnt the case.The supervisor then told me I qualified for provisional credit but investigation department telling my reason not covered Regulation E for provisional credit. I told Chime there was a similar pending charge from same merchant on XX/XX/23 and the refund they promised me just went back into my account today. They did not state anywhere in dispute letter that under Regulation E for disputes if resolution not found with in ten days or twenty days theyd provide provisional credit. They are not in compliance with banking regulation for disputes or claims process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Exeter Finance Corp.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act ( EXETER FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
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:
as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- XXXX  XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATEDXXXX XXXX XXXX $ Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2019-04-01
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: Account information incorrect

Complaint:
I am filing a dispute to have the current status updated on my XXXX XXXX  XXXX LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States 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 2023-12-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2022-07-07
Company: EQUIFAX, INC.
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXX OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
On XX/XX/, I submitted a dispute to have my proper name listed on my TransUnion Credit report. Currently my name on the report is incorrect. Per the companies website, they ask that you send proper documentation ( 2 forms ) that has your correct information. I sent in both my state issued drivers license, Federal Global Entry ID and my passport. This was all delivered to TransUnion via certified mail on XXXX On XXXX  I received a letter from TransUnion stating that " The information sent was not sent from me or an authorized agent on my behalf ''. On XXXX XXXX called TransUnion directly to inquire about the letter and was promptly blown off by 3 agents stating that " the items I sent couldn't be validated ''. If I provide 3 pieces of identification, and it can't be validated what else am I to do?

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 2018-03-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX I received an email stating my PayPal funds are now eligible for withdrawal after being held for 180 days. 

I am respectfully requesting that the hold on my funds/account be lifted. I am not requesting that my account be re-opened or allowed to continue to use the PayPal service. I have previously requested my funds be released which was denied.However, I feel that holding my funds for a non-fraudulent violation of PayPals Acceptable Use Policy is Excessive, and perhaps a punitive abuse of power.

Company response to consumer: Closed with explanation