BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: CITIBANK, N.A.
State: CA
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:
On XXXX XXXX, 2017 I made an online purchase for a pair of sunglasses. The company, XXXX XXXX sent me an email stating they were out of stock and would I like to wait or cancel the order. I immediately sent them an email back stating I wanted to cancel the order. I heard nothing back. I sent numerous follow up emails, attempted to call them several times and got nothing but a recording and no ability to leave a voicemail. This company had charged my credit card and I wanted them to credit my Citi Mastercard for the amount they charged which was {$140.00}. 
Since I had heard nothing back from them and the charge was still on my credit card, I put in a dispute with Citi Mastercard. I sent Citi a paper trail of the emails I sent to this company requesting they cancel my order and credit my account. I waited over a month for an update from them. They then advised me they were closing the dispute in favor of the merchant because I did not have a cancellation number from the merchant. 
This is an unjust decision because the merchant was negligent in responding with a cancellation number, never sent the sunglasses and I have no control over any of those items. I did everything I possibly could to resolve the situation. I believe Citi Mastercard should have done more to protect my rights as a consumer. I called Citi numerous times, spoke to supervisors and they still advised there was nothing they could do to help. They told me that is Mastercard rules and regulations.

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 2018-06-08
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX ( ERC ) placed an account in collection on my XXXX credit report between XX/XX/2018 and XX/XX/2018. ERC placed the account in collection without notifying me. I refute this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: VA
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:
This account was closed in XX/XX/2017 by XXXX XXXX XXXX. So my questions is how can account that is closed be reporting 30 days late. I have submitted a copy of the payment history.

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 2018-03-17
Company: Experian Information Solutions 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 am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX  ... Please send me original signed copies from parent company. XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX  ... ..Please send me original signed copies from parent company XXXX XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have sent many letters to XXXX XXXX and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from XXXX XXXX on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also TransUnion & XXXX both are reporting different information that what is on the XXXX XXXX report where they continue to say they are verifying it and clearly but the reports all of them have different information. XXXX deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to XXXX XXXX asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on XXXX XXXX, TransUnion, XXXX ( which deleted it ) and XXXX. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from XXXX XXXX. Still no response from XXXX or Transunion about investigation and where it comes from only that it is verify by XXXX XXXX and still all 3 have different information being reported. I have sent yet again the form filled out again to XXXX XXXX along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit

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 2020-05-07
Company: Experian Information Solutions Inc.
State: NY
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:
fraudulent unauthorized inquiries reporting on my Experian credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Experian Information Solutions 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:
I have submitted my disputes to Experian for them to investigate a series of items, including personal information that needed to be changed in my file. 

Experian didn't even look at the letter and replied with a " GENERIC '' response stating that they can't re-investigate as it was disputed earlier. 

The problem is that I disputed PERSONAL INFORMATION with new accounts being disputed. How can they say that they can't re-investigate when it's the first time me doing this? 

Not only did they fail to look at the letter but it was as though they didn't even care to read and just sent me a generic reply.

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 2018-03-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX bank ... Please send me original signed copies from parent company. 
XXXX bank ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX ..Please send me original signed copies from parent company XXXX ... XXXXI am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX   ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On or about the 1st day of XXXX, XXXX, I began the process of " Payment is Pending Manual Review '' with Fed Loan serving regarding payments made during XXXX when I was under a different payment plan. I paid over the Standard Repayment plan and should be eligible for the TEPSLF expanded program. Now, over a year later, it is still showing under I have called several times in the last year to check the status of this manual review. I also completed a FOIA to the Federal Student Loan Government site and received record of those payments. I attempted to provide that information to My Fed Loans to expedite the process, and they did not want that information. Now, My Fed Loans is ending their contract with the government and PSLF program. If these payments are accepted, I will be finished with PSLF or the TEPSLF program sometime in the Summer XXXX. I am VERY concerned that with the new servicer, I will be unable to get a status check on this, and I will just have to continue making payments when I should be completed. 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: BANCO POPULAR DE PUERTO RICO
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:
The account with BPPR XXXX XXXX should not be on my credit! This was a mortgage that was included in my Chapter XXXX Bankruptcy in XXXX and was discharged. The original creditor was XXXX XXXX XXXX in which BPPR XXXX XXXX somehow obtained the account from. XXXX  is in clear violation for allowing this debt to be reported delinquent after it was discharged in a bankruptcy AND due to the fact the debt was cleared in XXXX, this is way passed the allowed 7 years to report to my credit report. 
One, it is illegal to repot this debt beyond the 7 years allowed per federal guidlines and two, the was discharged through a Bankruptcy so Banco Popular should not be reporting any balance. 
I attempted to have XXXX investigate and remove this on their own but they came back with it is staying on the credit as is. Attached are the bankruptcy docs showing XXXX XXXX ( original mortgage then transferred to Banco Popular ) being included in the bankruptcy.

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 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express called my family members, my minor children, my childs boyfriend, my husbands work associates repeatedly over and over until they each answered and told them all that I wrote them a hot check for {$9000.00}. Which is not true. My husband discussed paying them to settle, but became cautious when they wouldnt email us or send us a letter regarding the settlement. When my sister told this representative that this was very unprofessional, he kept repeating himself to try to make her understand that we write hot checks. I dont know who all they called and I dont know how they got their numbers. We never gave them our minor kids phone numbers and obviously my daughters boyfriends number nor my husbands new business associates. I cant imagine sharing my personal info and harassing innocent people being legal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Applied Data Finance, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This loan was discharged in Chapter XXXX bankruptcy. received a call from XXXX  regarding this debt. I am requesting a debt validation as I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Public record information inaccurate

Complaint:
I have sent many letters to XXXX XXXX and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from XXXX XXXX on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also XXXX & Equifax both are reporting different information that what is on the XXXX XXXX report where they continue to say they are verifying it and clearly but the reports all of them have different information. XXXX deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to XXXX XXXX asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on XXXX XXXX, XXXX XXXX ( which deleted it ) and Equifax. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from XXXX XXXX. Still no response from Equifax or XXXX about investigation and where it comes from only that it is verify by XXXX XXXX and still all 3 have different information being reported. I have sent yet again the form filled out again to XXXX XXXX along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have been trying to convince Transunion that a collection adverse account has been incorrectly reported on my file and they keep saying that the company reported the collection is the one that they will listen to. They mention that they lunched an investigation and their investigation has found that the company correctly reported the account. 
They refuse to tell me how they conduct the re-investigation and though they promised me to send all the papers related to the investigation and all the evidence related to the case, they never did. All I get is a copy of my credit report. I have repeatedly told them that the name on the collection account is not my name but instead of using this information, I just found that they have added a new version of my name, the wrong one provided to them by the collection agency. They also added a phone number that does not belong to me. 
I feel that Transunion also side with the company reported the account and they do not want to listen to my repeated request that the account is bogus and does not belong to me. 
I had to spend a lot of time again to convince them to reinvestigate and although they agreed at the end, I believe it will not be taken seriously nor they will send me all the paper work related to their investigation. 
I have spent a lot of time now for this problem and I feel that as a consumer, I have never been treated fairly by Transunion. I also have similar experience with XXXX  but they are still investigating the account so I can't say that they didn't investigate the issue properly but I am so afraid it will be the same as Transunion. They seem to have similar work code.

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 2018-03-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports from all 3 bureaus and I have a collection account from Commonwealth Financial Systems that I do not believe is mine. I disputed it with the credit bureau and they removed it from my account because it is unverified. I sent a debt validation letter via certified mail on XX/XX/XXXX to Commonwealth Financial Services to request documentation that this is my debt and they responded on XX/XX/XXXX saying that I need to notify them that I am disputing the debt within 30 days. They failed to validate my debt on my first request. It has been longer than 30 days. I am mailing a second letter via certified mail requesting debt validation on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
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: Account information incorrect

Complaint:
Re : XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Credit Limit {$8500.00} Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Daily High Balance {$9900.00} My charge card credit limit is {$8500.00} ; but I do not agree my Daily High Balance was ever {$9900.00}. 

I am certain I have never charged over my credit limit ; and if I had, XXXX would have notified 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 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Each month I receive a statement from Kohl 's and each month my due date falls on the XXXX. The statement clearly indicates that I have until the XXXX to make my payment. It gives no time-frame nor any restrictions. Just that I have until the XXXX. I recently looked at my statement and found the last ( 2 ) months, they have accessed late fees of {$38.00} each when I made my payment on the XXXX. I either do it online or over the phone. I called and spoke to a few representatives and I am being told they close at XXXX and any payments made after that time are processed the next day. So when they process the payment on the XXXX, they hit me ( and everyone else ) with this late fee. The statement CLEARLY says the XXXX with no other provisions. I have yet to count how many times they have deceived me with this practice but I can only imagine. This practice is deceptive and clearly inflicts financial hardship of all card holders and needs to be looked at. Another issue found is this PROTECTED BALANCE which I am being charged 24.15 % interest. No disclosures, no notices, nothing in reference to this being added to my account. So currently I am paying 27.24 % plus 24.15 % totaling 51.39 %. Incredible that they are getting away with this.

Company response to consumer: Closed with explanation