BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional offer to receive a {$400.00} bonus for opening a checking account with Citibank. On XX/XX/XXXX I spent over an hour on the phone opening the account with an agent. I received forms to complete in XXXX and returned them promptly ( following THEIR upload directions ) only to be notified that they were illegible on XX/XX/XXXX. I again returned their CLEARLY legible form and again received a rejection on XX/XX/XXXX, with ominous language about complying with tax rules. ( The XXXX letter stated that they enclosed a Form XXXX to be completed, but surprise ... there was nothing else in the envelope! Further incompetence. ) I called the bank 's XXXX # listed on the letter to see why they can't seem to received their own forms correctly and ask if I can deliver the form to a local branch, since it is obvious that continuing to upload using THEIR system was not working. They said yes XXXX not sure why I had to come up with THEIR solution ... ) but that the promotional period to qualify for the {$400.00} bonus had expired. REALLY? How is that possible when their system is faulty! I was told that only the branch manager would be able to extend the qualification period, but that " should be no problem, they do it all the time '' So, since my mother was funding the account for me, she went to the branch to drop off the very legible bank form, make the funding deposit, and extend the bonus offer DUE TO THEIR SYSTEM ERROR. The branch manager refused. I am not interested in banking with ANY company that can't recognize THEIR error in the process, does a bait and switch and refuses the promotional offer THEY SENT ME! 
But wait ... there's more .... now, they are CHARGING me Monthly Service Fees and Account Overdraft fees FOR AN ACCOUNT I DON'T HAVE, DON'T USE! Totaling {$110.00}

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 2021-03-25
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter informing us my husband was lucky, that XXXX XXXX was willing to accept a greatly reduced amount of money in order to cancel a loan. We wrote informing them there was never such a loan ... wrong party. Today we received a letter wanting everything from social security numbers, drivers license numbers, etc.and to have this informative letter notarized. I called XXXX XXXX ... they have no loan as described by the letter. The company sending the letter is Convergent Outsourcing, Inc.XXXX XXXX, XXXX, XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ... The loan is to be for {$3000.00} ... 

At this point, having made several inquiries, we are suspicious this is not a legitimate investigation. We are unwilling to release our personal and private information, such as social security numbers, drivers license numbers, etc to this company. Any advice would be greatly appreciated.

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 2019-11-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was not aware of a XXXX XXXX debt until i saw it on my credit, i tried calling to get a copy of an original application with my signature proving this was my bill.but i was told to call there 3rd party Jefferson Capital.i did not understand since its a XXXX  acct..i have never been able to get proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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: Investigation took more than 30 days

Complaint:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Checked my credit report and to my surprise, I seen numerous fraudulent hard inquiries on my report. I contacted the credit bureaus. They said to contact the FCRA and a complaints first. 


XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020+ XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX Inquiry from XX/XX/2020 + XXXX  XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX Inquiry from XX/XX/2020

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 2019-02-13
Company: BB&T CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I never obtained a mortgage.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, XXXX additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help. 
There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments. 
In XXXX, I got all caught up on my payments. 
XXXX hit and COVID hit. 
I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX. 
I paid everything up in XXXX when I got my unemployment. 
I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX. 
I have since paid everything up and made my payments on time. 
I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad. 
And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.

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 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX/XXXX/2017 I had {$1.00} cents in my account and on the XXXX, XXXX submitted a payment request to the bank. With out my consent the bank went along and received it, and since then until now they have been accepting this request from XXXX after i called XXXX and payed with my XXXX XXXX card and they took out the money, now the bank being they acceptedthe XXXX  request, XXXX XXXX has returned my monies so the bank continues to received the request for {$53.00} and continues to take out monies {$35.00} since that day until now and has left my account on a negative balance for {$100.00}. 
I called XXXX and they said they have not send the request in, because it shows paid on the account, i have spoken since the beginning with the bank and to no avail, i am not responsibllle for the banks server errors, and my proof shows that my account with XXXX has been paid by bank. Now why do they continue to charge me {$35.00} each and everytime until XXXX/XXXX/2017 and has left my account in the hole. I have taken my direct deposit out and place it some where else, and i try to close my account and they said i am negative, no I am not negative, i still have {$1.00} in my account if they did n't make this mistake ... I need help if you can ... it is Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: ENCORE CAPITAL GROUP INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received background information results and found out XXXX XXXX said I owed {$420.00} which I paid and the account was clear as of XXXX, As of XXXX It still showed as a risk as this was supposed to be cleared without hitting my credit report again. All three bureau agencies report different outcomes. I have no open accounts or debts besides the XXXX card. I am trying to get my scores up to get my personal vehicle changed over into my name as well as my current house. Please help me with this issue. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited into my account a check on XX/XX/19. Bank has placed a hold on funds without providing sufficient reason and one not covered by Regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter from Credit Collection Services of XXXX XXXX XXXX XXXX XXXX XXXX asking for a past due amount of {$98.00} for a XXXX account that is not mine. I sent a detailed letter disputing this along with documentation proving I did not live at the address associated with the account and that this was not my debt. I demanded they stop sending me notifications. 

They never responded but sent an additional notification of this debt dated XX/XX/21. 

I've been in touch with the XXXX department of XXXX which hasn't resolved the issue despite being sent an abundance of information by me including proof of residence at the time this fraud was committed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: ACS Education Services
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I consolidated my federal loans in XX/XX/XXXX. The consolidated loans were held by ACS and not transferred to XXXX until XX/XX/XXXX. The payments during this time period are showing as unpaid and not counting towards the PSLF. There is not a clear direction as to who to contact or have this corrected given they are no longer in service. I was told at the time that you could have any servicer and that when it was transferred to XXXX the payments would count. XXXX is saying the information was not transferred to them regarding the number of counts. Of course this was nearly 10 years ago and the information was incorrect and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2023-06-18
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My luggage and purse was stolen in XXXX. Several identity theft situations have occurred since then. Recently I was contacted about a payday loan from XXXX. This debt isn't mine. My purse was left in the shopping cart at a local XXXX in XX/XX/XXXX. I had two credit cards with Navy federal credit union. Those credit cards were used and my account was hacked which has now gotten me into debt of over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX : XXXX  and completed the application process. I requested my TransUnion Report, which displayed, but I was not able to print or save the report. The same results occurred for XXXX. I can see the reports but I can not get the reports. When I returned to the website using a different device I tried to get the XXXX Report, but the same result -- I can see the report but not get the 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 non-monetary relief
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2020

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 2020-12-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian for many months now has been reporting that I live in two states at the same time, XX/XX/XXXX and XX/XX/XXXX, which is causing problems with my credit. 

I have attempted to have Experien correct this but they refuse too saying that the card company : XXXX/XXXX XXXX XXXX confirmed that it was my address. Experian advised that I should have the credit card company correct my address. 

Today I spoke with XXXX/XXXX and after 3 calls spoke with their Fraud department. 

Here is the problem : My daughter needed a credit card to pay for medical expenses, and the company wanted me to co-sign her application. I did this, its her card for her medical expenses. We set up this account in XXXX when she lived with us in XX/XX/XXXX. I do not have a card for this account, I do not use this account, this is used by my daughter XXXX XXXX. 

My daughter moved to XXXX XX/XX/XXXXso advised the bank of the new address. The bank thought that it would be a good idea to report this address to credit bureaus as my address as well as her address, their internal card management system does not cater for two addresses on a card account. 

I also have another credit card with XXXX which is through XXXXXX/XX/XXXX. On this card they have my address listed as my XX/XX/XXXX address, which is : XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX. 

XXXX have knowingly reported that I live in both XX/XX/XXXX and XX/XX/XXXX. This is deliberate fraud, and is causing undue harm to my credit and my ability to open a new Bank account and casting doubt on my real address to those requesting credit information. 

I have spent a lot of time on the phone today, XX/XX/XXXX speaking with XXXX ( XXXX ) who agreed it was a problem, and the fraud department, XXXX. Who felt the best way to resolve this would be to change the address on the account to my XX/XX/XXXX address. 

This would then create another fraud, by reporting that my daughter XXXX XXXX who lives in XX/XX/XXXX also lived inXX/XX/XXXX! 

This is a business who obviously do not care for the credit of their customers, who feel that because their computer software system does not cater to account co-signers living at a different addresses from the actual user of the account, reporting a fraudulent address is therefore justified. 

I did speak with one customer service agent at the bank, XXXX, who said that she would elevate this as an issue and that I should hear in 30 days. 
I need this fraud to end immediately! I can not wait for 30 days beyond the end of this year. 

Please advise all credit bureaus to immediately remove the XXXX address from my record such that I can open a new bank account.

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 2020-10-22
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SEQUIUM has put a collection on my credit report about an XXXX   XXXX  equipment charge. Back in May i notified them by US mail that i didnt owe this they never responded. I also challenged this on my credit report and somehow its still on there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation