BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: BARCLAYS BANK DELAWARE
State: FL
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:
When I received a statement for renewal, I informed the company by mail that I did not want to renew and told them to void the card. I have never used the card since then and actually did not use it for some time previous to that. They continued to send me a statement showing the {$99.00} renewal fee. I have telephoned them and sent letters to their actual office [ not the bank to whom you mail payments ] and as of today, some months later, I am receiving " past due '' statements for the {$99.00} for a credit card I do not want or have used in more than at least a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX bank closed my checking account and blocked my access to my mobile banking and online banking account, information, atm debit card. 
XX/XX/XXXX called the bank to find out why I couldn't access mobile app. was told of a mobile check deposit that didn't clear for {$990.00} XX/XX/XXXX mobile check deposit for {$990.00} into my bank account by online loan company I was applying for a loan through XX/XX/XXXX went to my bank in person asking if a deposit was made for {$990.00} and the teller said yes and that it had cleared did I want to withdraw on it and so I did and sent the money back to the online loan company in a gift card as instructed. Was told by the online loan company that this was the verification process to see if it was my bank account as I said My bank said there was another mobile check deposit attempt on XX/XX/XXXX for {$990.00} which I was not aware they were going to do that again, they had left me messages but I was working and did not see them until next day and did not reply. By this point the bank must've been flagging my account but never notified me or contacted me other than an email saying they received a mobile check deposit on my account. 
This was my only bank account and I have lenders creditors that I pay monthly electronically from this account. The bank was not very helpful other than telling me what went wrong. When I went in person the teller said it was cleared and let me withdraw the money. Then the bank tells me it was clear, then not cleared.?????

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 2020-12-14
Company: CITIBANK, N.A.
State: NY
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 noticed a total of 4 charges on my card from the same location around last week of XXXX. I did purchase food from this location on XX/XX/20 but not for the other 3 shown below. 

XX/XX/20 : {$3.00} XX/XX/20 : {$14.00} XX/XX/20 : {$14.00} So I called Citi back for the first time back in last week of XXXX and explained the situation to the customer service agent. 
The charge for {$14.00} on XX/XX/20 was showing that it was still pending at the moment. She told me that she'll cancel my card and send me a new one. She also mentioned that it's going to be under investigation and it will be resolved. 

I waited for about 3-4 days and I logged on my account again to see if there was any updates on my dispute. I noticed that there was nothing under " open disputes '' on my account and I noticed another charge from the same location at XX/XX/20 for {$12.00}. So I called again and spoke to about 5-6 different departments and it was very frustrating because I had to explain the whole situation multiple times. I was told that the XX/XX/20 charge for {$12.00} won't go through because I already canceled the card and that everything should be resolved. 

I logged on my account again yesterday and saw another charge that was made from the same location on XX/XX/20 for {$3.00}. 
Now I have total of 5 posted charges from this vendor that I didn't approve or make.

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 2021-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Client Services, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated calls on my iphone identified as Client Services. When I answer no one is there. I looked up Client Services online and there is a legitimate company called Client Services that does debt collection. We have no debt nor have we ever had a debt that needed collection! Their web site says there have discovered a fraudulent company identifying as Client Services Inc that is unrelated to them. 
I received repeated, daily calls as follows : Client Services, XXXX MO XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XX/XX/XXXX XXXX  number XXXX XXXX XXXX at XX/XX/XXXX XXXX  number XXXX XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX This is what I have documented on my recent calls list! 
I would appreciate any help or guidance on how to stop these fraudulent annoying calls. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not consent to, or authorize nor benefit from any of the following information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-11-22
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send this company a letter of validation onXX/XX/XXXX and they have fail to validate the debt. Instead they have send me a list of my medical records which I know its a direct violations of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong.

I am just saying that I am not 100 percent sure if they are. also I read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something please called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything are missing or not correct on them.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX Account Number:XXXX. Verification : 'Cancel contract. please provide the original contract or delete! 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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 2019-12-13
Company: Webcollex, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am so furious that any company can have power to mess up your lifelyhood to that extent without one 's knowledge most of the time, and they walk away free like this???. Inaccuracies on credit reports costed a lot. I stumbled on my credit report found out that a company named CKS Prime Investment claimed I own them money which I had no clue about. I never entered any agreement nor made any transactions with them. I tried calling them, no info. I filed complaints to the credit bureaus to remove the information so far, no success. 
I can't believe it's that easy for companies to target your life without consequences and no one says anything about it. I have no real address for this company, no manager to speak to in order to formally have this information removed from my credit report. 
I am against these 3 bureaus which allow such practices without reaching out to costumers. I would have never known otherwise that such injustice was hanging on my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-10-13
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX XXXX I received an email that my federal student loans were transferred to XXXX from Aidvantage due to my enrollment in PSLF. A few weeks later the Aidvantage loans dropped off my credit report and appeared under XXXX correctly. On XXXX XXXX XXXX I noticed my credit report had my federal student loans now duplicated after being correctly reported initially ; they were showing as if I had loans with both XXXX and Aidvantage. So instead of having {$60000.00} in federal student loans, my credit report is showing I have {$120000.00} in student loans. The day that I noticed this, I submitted an inquiry with Aidvantage, asking why this has happened. Five days later they replied and stated they were aware of the issue and NO OTHER ACTION IS NEEDED ON MY END. There was no timeline provided of when it might be fixed, no explanation for why this happened, or any other elaboration. The generic automated email I received when I submitted the inquiry provided information to submit a formal dispute in writing. I dont understand why I need to mail them my issue when I have already submitted an inquiry with a case number for their credit reporting error. After receiving this email I tried to call them during their business hours. The phone rang/I was on hold for nearly 40 minutes with no human interaction. I could not wait for them any longer so I hung up. I submitted another claim on XX/XX/ asking for more information and an explanation. I stressed that this is negatively impacting borrowers livelihoods. I am in need of a new car. I am not going to get approved for a car note with {$120000.00} of student loan debt on my credit report. Again, another automated response and this time I did not receive any acknowledgment nearly 2 weeks later. I see on a XXXX thread that this has happened to others as well. Why is Aidvantage treating this like a non-issue? Is it really that difficult to correct a credit report? I need this fixed immediately and I need answers yesterday. My intention with this complaint is to bring awareness to this issue. If Aidvantage does not take action from this complaint then I will be disputing the inaccurate reporting through either them or XXXX XXXX. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX XXXX on XX/XX/XXXX and was provided my XX/XX/XXXX day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them XXXX times and been given a different answer. I have files disputes with each of the XXXX credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 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 non-monetary relief
Consumer complaint received 2021-11-22
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae approved a loan for XXXX, but only XXXX was paid to the school before withdrawal. Now it is XXXX and they will not work with me on how to pay it. They went after a barely XXXX XXXX XXXX kid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$1000.00} XXXXXXXX XXXX-Balance {$12000.00} XXXX-Balance {$3700.00} XXXX  XXXX-Balance {$160.00} XXXX XXXX XXXX444796232750****-Balance {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX I communicated a concern to wells fargo regarding new account bonus offer. 
On XXXX i recieved a communication from a XXXX XXXX w/ ID : XXXX saying that a response would follow XXXX. 
I have records of my attempt to this executive Person for 8xtimes since that communication and to date feel that i was lied to willfully.

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 2022-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint to Equifax, XXXX and XXXX denoting that I had been a victim of identity theft by reason of lack of consent and permissible purpose ( 15 USC 1681b ). I attached an FTC identity theft report along with all the alleged accounts that were being furnished on my consumer report. According to 15 USC 1681c-2, information that has been identified by the consumer ( me ) to be a result of identity theft must be blocked within 4 business days of the receipt by such agency. It has been 30 days and I have yet to have the information blocked as well as I have not been able to garner a response from any of consumer reporting agencies. These are clear violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 

Transunion has the incorrect address for me on my credit report. I will upload utility bill showing my correct address.

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