BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My CitiBank MasterCard expires on XX/XX/XXXX. On XX/XX/XXXX, I was informed they will not renew it due to as stated in their email 'bankruptcy or a charge-off on another credit card account issued by Citi '. I had many phone and online chat conversations with customer service. The first time I had a conversation, they advised me to send a cover letter and copies of my credit scores to their Dispute Center. I faxed those documents on Monday XX/XX/XXXX. I received confirmation that the fax was received. And the last customer service rep I spoke to on the phone said they have those documents but still says the reason for their decision was the XXXX Credit Report. I have great credit scores and a great XXXX and XXXX Credit Report. Each shows only one 30 day late payment in XX/XX/XXXX. I have an excellent payment history with the CitiBank Mastercard. I have repeatedly requested CitiBank to send me specific detail on their reason for this decision. They do not grant that request and tell me it was based on my XXXX Credit Report. I pulled that credit report on XX/XX/XXXX. Again, only maybe-negative item was one 30 day late payment in XX/XX/XXXX. No other late payments in the last 3 years. No charge offs are recorded in on the XXXX credit report for the last 3 years. I just spoke with the Global Consumer Credit Division of XXXX and they confirmed I have excellent credit history, only one late payment in XX/XX/XXXX, no charge-offs and don't understand why CitiBank has taken this action. This is a serious matter. This action is noted on my credit report, stays on my credit report for many years and has a very damaging affect on my ability to get credit if needed. I need help and CitiBank is not providing the help or cooperation.

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 2018-06-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
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:
Filed dispute with the credit bureaus and One Main Financial beginning in XX/XX/XXXX. I filed subsequent disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the creditor is reporting this account in compliance with the FCRA and the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
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: Account information incorrect

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and blatantly ignored in my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-03-30
Company: Asset Management Outsourcing, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX the customer service rep and XXXX the supervisor spoke with me and both were very rude and they keep calling me for something that is not my account and they have threatened me and continue to harass me at work even though I've asked them to stop calling me on my cell phone while I'm working which has not stopped yet. I've asked them to verify the account and I was told if they have my birthday then its me. Wow, they do no verification to verify if this is actually my bill they just keep calling and harassing me. I am being called at least five times a day. The number they keep calling from is ( XXXX ) XXXX. Hep to end these threats and harassment. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are refinancing a loan. Wells Fargo is the current lender. They can not send us a payoff amount for the loan. We are trying to close on XX/XX/2018 or XX/XX/2018 and they have said they can not get us a payoff for at least one week.

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 2018-06-25
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjust. I requested a validation on XX/XX/XXXX as the debt amount owed is not correct. On XX/XX/XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from National Credit Adjust and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XX/XX/XXXX however the account is still reflected on my credit profile and continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer of the United States and i never gave EXPERIAN nor XXXX XXXX written permission nor the right to report on my consumer report. The fact that this account is reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681b, also a violation to 15 USC 1692d for harming my consumer reputation reportinb late paymenta. I the consumer in fact, natural person, original creditor, lender, executor, administrator and holder demand that my federally protected consumer rights not to be violated at any given place or time. I, the consumer, filed a cfpb complaint on XX/XX/XXXX, complaint number XXXX regarding this account above to be immediately removed from my consumer report for violating my federally protected consumer rights. Attached to this complaint labeled as exhibit A was sent along with my complaint XXXX revealing these violations and reportings on EXPERIAN, XXXX  AND XXXX. After my complaint was filed XXXX XXXX was removed from my XX/XX/XXXX and XXXX  consumer report. As of XX/XX/XXXX XXXX XXXX and EXPERIAN willfully and knowingly continues to violate and harm my consumer rights and reputation. Also attached labeled as exhibit B showing proof of deletion of this account from XXXX  and XXXX  but EXPERIAN and XXXX XXXX continues to violate. Labeled as exhibit C is the letter i received from XXXX XXXX on XX/XX/XXXX stating my account was opened on XX/XX/XXXX and was closed on XX/XX/XXXX due to delinquency when they are reporting delinquency on XX/XX/XXXX when my account was already closed. The information being reported is incorrect amd misleading

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 2020-05-29
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a auto loan from credit acceptance in XXXX. My loan end when my car was totaled from a accident XXXX. My gap insurance paid the remaining balance of the loan and the account was supposed to be closed and paid. All these years it has never been a problem until now.

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 2020-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery stated that once the balance was paid this item would be removed from my credit report. Instead of removing the item, they reported this account as settled TODAY. Instead of simply removing the item from my credit as a promise. A letter stating paid and agreement to remove is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
Hi, I sent certified mail requesting Assignment of Debt, validation of Debt and Method Verification for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never received the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Navient Solutions, LLC.
State: CO
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:
In XXXX of this year I applied for the IBR and had not revived a response on approval. I was offered forbearance and felt forced to take it as a result of not being able to get a hold of Navient. Despite harrassment almost every other day with them filling up my inbox they never called or sent a physical letter until last week threatening action with wage garnishment or tax penalty and so on. I did attempt to reply to the email and it was not responded to. This has effected my credit score drastically and it's become damaging to the point where it is impossible for me to rebound back from. I have never had an issue before and I was always able to renew my IBR yearly. I was told I needed spousal signature but we never able to log in. Either times it was submitted. Evn after I have gotten a ton of emails saying I owe more and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I zelled over XXXX expecting a product. I was previously under the assumption that I had been scammed because he wouldnt get back to me but he got back to me recently saying that he never received the payment even though the money went out of my account so he didnt send over the product I was supposed to receive. I dont know the legitimacy of his claim but if this is is true I dont know why my money went out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and their collection agency XXXX have claimed that I owe them {$340.00}. I have never had service with XXXX, I have never lived in an area that XXXX has provided a service, and I have never received a bill from them. They have negatively affected my credit and have refused to remove a derogatory entry on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXt/Convergent collections state that I owe {$280.00}. This amount has changed every time I have disputed their claim. Over the past 5 years, the amount has changed from approximately {$700.00} to now {$280.00}. Phone calls from the company are demanding that I just pay the amount or the rude calls will not stop. This has been going on for years. I have contacted the company to dispute these charges and it seems to get passed on to several different collection agencies. I filed bankruptcy 3 years ago and this was not listed on my credit report ( it  would have been included ) This is not my debt.I owe XXXX absolutely nothing. There are no records, contracts or otherwise. I have requested whatever proof they claim to have several times and it has not been provided and the overly rude " people '' they have calling is becoming overwhelmingly stressful

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 2020-05-29
Company: EQUIFAX, INC.
State: CT
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:
Equifax is NOT showing all of my accounts even know the lenders have told me they are SENDING the into TO XXXX in XXXX case its showing an account closed that is clearly OPEN Etc XXXX XXXX/XXXX  Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mo ) ( showing closed ) XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX  yrs, XXXX  mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: JPMORGAN CHASE & CO.
State: TX
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:
I've disputed this account several times and I have two fraudulent accounts with JPMCB, that dont belong to me and I demand its removed. JPMCB CARD Date Opened : XX/XX/2018 Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life. 

I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for Midwest Recovery Systems and they still haven't done anything to fix this. XXXX XXXX was his name. 

I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by Midwest Recovery Systems, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received. 

I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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 status incorrect

Complaint:
1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt XXXX. 

This information is incorrect. The following is accurate : XXXX. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX XXXX XXXX. I filed the lost/stolen claim at the XXXX store 4. The verizon store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I  enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone

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 2020-12-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I paid account in full, even though it was not mine account ( because fraud complain did get me to no where ) .I submitted the paperwork to all 3 credit bureaus, but yet they saying that everything is accurate : Account number is nit correct Date of Last Active is not consistent I requested investigation report, but never received They received a confirmation about this account paid in full No updates or proper investigation. were ever made .FCRA violation.

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 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I have started a dispute with Bank of America for an XXXX flight to XXXX on XX/XX/2020. XXXX   canceled my flight forcibly on XX/XX/2020, without offering a refund. I wanted a full refund of {$840.00}. Bank of America closed my complaint without informing me. I have to give them a call back just to find out that they reverse the credit they issued to me earlier, but this time I am no longer able to dispute because 2 months have passed. I have called them multiple times, they even gave me a wrong fax number at one time so I fax the XXXX email to a wrong number and then have to fax them again one more time to a different number. On XX/XX/2020, I called them to follow up on the fax, Bank of America said they only follow XXXX user agreement and according to XXXX, my flight is still available. I told them it is not available as I received an email for Flight cancellation. They told me they will review it again but I am pessimistic that they will side with XXXX and will not give me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you today regarding the following account with Santander Bank : Account XXXX, opened date : XX/XX/2017, highest balance : {$13000.00}. 

My dispute is because they are reporting so many discrepancies across bureaus, they are being negligent and unfair, and they are also committing breach of contract. They have failed to process online payments. These are serious violations to the California Credit Reporting Act. 

My demand is to get the item off my report. This is affecting my credit, and is also affecting me psychologically. 

I have prepared all the documentation that Santander may need to investigate my case, so it gets easier for them, and they solve this matter as soon as possible. Please send the documents attached to them. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$48000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- STUDENT ACCOUNT 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account.

Company response to consumer: Closed with explanation