BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my account with CITI / XXXX XXXX CARD on XX/XX/2021. However, they are still charging me for payment safeguard and/or credit protection charges that I never requested nor purchased. They dont allow me to proceed with the cancelation of the payment safeguard protection, either. I never agreed nor bought said protection. 

They keep sending me from one department to the other. Since canceling the card, they dont allow me to talk to customer service. The safeguard department explained that they have no authorization to bill me for payment safeguard in my 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 explanation
Consumer complaint received 2018-07-17
Company: Massachusetts Educational Financing Authority
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today 's date is XX/XX/2018. On XX/XX/2018, we ( the student, XXXX XXXX ) and myself, as co-signer ( XXXX XXXX ) requested documentation that one of XXXX  's loans be shown as current. XXXX XXXX XXXX, the loan processing company, asked for proof that XXXX made a XX/XX/XXXX payment, which XXXX does not reflect. They show an XX/XX/XXXX payment for the XXXX bill, but they applied the most recent XX/XX/XXXX payment to the XXXX bill because they did not record the XXXX payment that XXXX made. XXXX took a screen shot of her XXXX 's bank statement for the selected transactions on XX/XX/2018. It displays the correct amount ( actually two payments ) debited for 'XXXX XXXX and XXXX XXXX. ' We faxed that over to the number XXXX provided. We were told it would be as many as 3 business days to get the adjustment made. I called back after 3 days and they moved the goal posts. It was now going to be 7-10 business days. I asked to speak with a supervisor, who sent an email to the XXXX branch, asking that this be expedited. I called back and got another supervisor, XXXX ( XXXX ), who asked for a detailed statement reflecting payments made to XXXX from XX/XX/2018. Instead we got a textual breakdown. Again, XXXX 's payment in XXXX, proof of which we faxed over is still missing in their records. We are not allowed to speak directly to anyone in XXXX, and I have to wait another 24 hours to speak with XXXX 's manager. Delays in their escalation process are painfully slow. And I think it is purposeful. Perhaps we should not have pointed out that we are trying to consolidate XXXX 's student loans and refinance with another lender, XXXX XXXX XXXX. We are on the clock to get the paperwork completed. Currently everything is approved except for the letter from XXXX showing that the loan payments are brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item online at Best Buy in the month ofXX/XX/2018 for {$360.00} but I canceled it because it was delayed for over 10 days. After a few days I received my refund for {$360.00} and then I checked my online statement and I was charged again for the same price for a transaction date on XX/XX/XXXX but I never made another transaction for the same amount. I called Best Buy and first they said it will be fixed in the next month statement. In XX/XX/XXXX I saw the bill again and I called again and Best Buy said I made a second transaction but I told them I never did a second transaction for the same price and they said they will fix it. I called after a week and Best Buy said I need to pay the bill and I canceled my Best Buy account.

Below are the details for the transaction : EXPIRATION DATE XX/XX/XXXX126 Days Left PROMOTIONAL BALANCE {$360.00} NO INT W/PYMTS FOR 06 MOS ORIGINAL TRANSACTION AMOUNT {$360.00} TRANSACTION DATE XX/XX/XXXX DEFERRED INTEREST {$9.00}

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 2018-07-17
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting onXX/XX/18 up till today ( and perhaps after as well- ) XX/XX/18, I have received frequent and at varied times phone calls from these " debt collectors ''. They have yet to clarify as to what is owed, and although they persist in calling there are times where when picked up the line is " dead ''. The only way I even realized this was a debt collection agency was by XXXX the phone number and a website came up for, " Diversified Consultants. '' From what I have gathered they specialize in debts related to services such as Cable, or Cell Phone bills. Two things in which I have no hold upon, I have student loans, and credit cards, and that is it. Regardless, I am very aware of any debt I owe and I pay everything with precision. To now have this random number contact me and without any clear answer as to why is very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian Closed a Credit Card I have from XXXX XXXX. I have not closed the account and made my Score dropped 10 points all XXXX XXXX  did changed the lost 4 numbers the end of credit cared. I Spoke to EXPERIAN agent his name XXXX  refuses to listen to me this is the second times EXPERIAN done that to same credit cared.

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 2018-03-06
Company: United PanAm Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Vehilce was purchased XX/XX/2016. The vehicle was financed through XXXX XXXX and the loan was sold to XXXX XXXX XXXX  XXXX. The legal owner transfer was initiated but never finished by the lienholders. Although my registration is currently paid, I have since been ticketed and am unable to get my current registration or tags.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Paramount GR Holdings, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2017, I contacted a mortgage company called Paramount Equity about refinancing my current VA home mortgage. I was finishing school and my VA benefits would end in XX/XX/XXXX. I told the representative that if I couldn't complete the process by XX/XX/XXXX there was no point in starting the process. I was reassured that everything would be fine and it would take just a few weeks to get it done. Weeks would drag by with no contact from anyone. Then I would receive an email saying that I needed to get something ; a termite inspection ( {$600.00} ), tax forms, pay stubs or getting the appraisal done ( several hundred dollars ) in the next 24 hours or it would halt the process. This happened numerous times, all the while they kept hitting my credit with inquiries telling me that they were of no consequence. After weeks and weeks, stretching into months and months, I was getting close to the point I was trying to avoid in the first place ; missing a house payment. When I did hear from someone, I was told to not worry, the end was nearly there. Well, because of their dragging their feet, I missed my XX/XX/XXXX payment. I then got a phone call that I was no longer eligible for the refi I was going for, but I could do a different refi, not take any money out ( we were hoping to pay off our cars ) and the interest rate would be much higher than we wanted. My credit score dropped, and I had to get a 2nd job to offset the change of income. If they would have actually done their jobs, or just told me it wasn't going to happen, I would not have missed the XX/XX/XXXX payment because the money I spent on the processes would have gone towards that payment.

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}

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 2022-12-28
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchased an appliance on XXXX which was delivered on XXXX XXXX, XXXX. The dishwasher was broken and I been contacting XXXX since then without not resolution. They keep transferring me over to XXXX company and XXXX transferring back to XXXX. no one want to be responsible and replace the dishwasher or refund my money back to XXXX card. Today XXXX been waiting for more than 1hr to talk with a XXXX representative over the phone and still not getting any response. I need help to raised since I received my bill already but I still not having my product.

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 2020-11-25
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: Information belongs to someone else

Complaint:
Ive contacted Experian multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Experian credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Experian on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Experian. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.

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 2021-06-09
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:
I have sent several letters to Equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several months ago I received a phone call from a collection agency on behalf of XXXX XXXX XXXX  to collect an outstanding cell phone bill. I requested a breakdown of charges because I felt I was being over charged. The collection agency tried to correspond with XXXX XXXX XXXX  and never got a response so they released the debt. I never received any correspondence from XXXX XXXX XXXX  or debt collection agency after that. Until, upon checking my credit report saw that it had been reported as derogatory by this new debt agency Diversified Consultants. I found their contact info online and contacted them, as well as XXXX XXXX XXXX, only to find out the reason I never was contacted by diversified is because they had the wrong mailing address. They assumed I was not going to respond to them so they reported me as derogatory to the credit agencies. I explained to them that it would be impossible to pay them not knowing who was holding the debt. Its unfair that I only find out because it is on my credit report. Both diversified and XXXX XXXX XXXX refused to accept responsibility that they both had incorrect mailing information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXXXXXX XXXX {$1300.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2020-06-04
Company: Experian Information Solutions Inc.
State: LA
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX  XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}

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 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered your company, Bank of America continues to inaccurately report the account referenced herein. Previous attempts to resolve and dispute the debt has not resulted in a correction to my credit reports. Furthermore, in XXXX your company reported to derogatory/late payments to XXXX even though the account was never late and paid in full in XX/XX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing the derogatory payment history, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Account statement and an itemization of monies owed. 
Copy of bill showing last default date. 
Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 

I am also requesting that Bank of America cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to correct and/or remove the derogatory account payment history from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX   XXXX and Texas Attorney Generals Office.

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 2018-03-06
Company: Convergent Resources, Inc.
State: AZ
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:
Debt validation request was sent on XX/XX/ to credit collection agency for a contract or signature and any other documentation which would validate that the alleged debt was mine. Received a letter onXX/XX/XXXXfrom agency with a screenshot of a billing system. No contract or signature or any other valid documentation under the FCRA was submitted.

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 2023-05-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation