BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Due to the Corona Virus, I had to let my credit cards go. I have been struggling financially and mentally during this time. The phones calls from XXXX ( XXXX XXXX XXXX, is Citi Bank. They have called 10 times before I blocked them, starting from the date of XX/XX/2020, and called 14 times leaving a voicemail each time. The date Im filing this compliant is, XX/XX/2020. 
Thank you for any assistance you can grant.

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 2021-09-22
Company: EQUIFAX, INC.
State: AZ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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 hope you can help me. On XXXX XXXX I file disputes with all three credit bureaus XXXX, XXXX and Exquifax. The things I am disputing are simple late payments remove, remove me as authorized user on some accounts arent mine some are showing balances when they were paid in full. I know the law is 30 days and it was been way over 30 days. I even sent these certified mail and I still havent got back the return slips. You cant tell me they have not received these letters. 
I am trying to get my credit clean up and I am getting no help from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX serviced by XXXX XXXX XXXX XXXX is unable to confirm my account or its reporting to Experian. Because this account is reporting incorrectly and the servicer is unable to locate Experian needs to remove the information from my 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 non-monetary relief
Consumer complaint received 2019-05-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
-I had 10 unauthorized transfers out of my Chase Bank checking account totaling {$49000.00}. Starting on XX/XX/2019 thru XX/XX/2019. The transfers were carried out via the XXXX system. The money went to a XXXX XXXX according to the notes on my statement. I had not heard of XXXX at the time and when I go online to my account it says I need to sign up for it to use, which I have not. I have never heard of XXXX XXXX either. No one else has access to my account. 
I was never notified by Chase that I had signed up for XXXX nor of any of the transactions as they occurred. 
-I notified my Chase branch on XX/XX/XXXX or XXXX and they helped me file a complaint for investigation. Chase credited me the {$49000.00} back, but later reversed that and took the {$49000.00} out of my account. They said their investigation showed that the transfers were made by my device. They provided a IP Address ( XXXX ) which belongs the XXXX XXXX XXXX which is not my ISP Provider my IP Address is XXXX. Chase doesn't seem interested in this information and their fraud department forwards me to a call center that just tells me my claim has been denied. They won't provide me with any more information, such as where the and who the money went to. 
-I have banked with Chase for over 30 years and have borrowed amounts in the low 7 digits from them ( albeit some years ago ) in my business endeavors over the years, so I am not an unknown entity to them. 
- I filed a police report XX/XX/2019 with the XXXX Police Department XXXX XXXX when Chase denied the claim, as I originally thought it was just a mistake. 
- I run a small business with 6 employees and it is not unlikely that we will shut our doors as a result of this loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
XXXX XXXX XXXX called my sister just now and left a message trying to collect my 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 2021-09-22
Company: Navient Solutions, LLC.
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:
Navient has violated my rights! I have attached all the details in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We lost a home in the XXXX XXXX XX/XX/XXXX2018. Our insurance company issued a joint check with a smaller portion due to completely pay off the mortgage holder Bank of America. Since we opened a B of A account, we thought they would deposit the check, subtract their outstanding amount due on the mortgage, and distribute the balance to us expeditiously ( bank agent 's term ). Now we are approaching a month 's time and calling the various bank people at a number of their departments over the country where they claim to have physically sent the check ( Florida from California..? ) and our money has been effectively tied up in their red-tape and dysfunction. We need our money..! While our insurance company worked thru their process efficiently, it's taking Ban of America almost as long to cash a check ( in this day of electronic payment, I'm certain they could confirm and cash that check in minutes ) and distribute our funds as the claims adjusters took to confirm our entire house losses. 

There needs to be a downside to BofA for this kind of malicious money-grubbing larceny from people who simply want to cash a check and deposit their funds ...

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 2018-03-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Back in XXXX or XXXX of XXXX I called navient to try to get my payments lowered but the only option that I was given was forbearance, which would only tack on interest to loan. I felt that was only option because that was only one offered to me. I had done this consecutive times and was not given other options.i requested this same thing back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX & XXXX I submitted a complaint XXXX Explaining that this account did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account for U S DEPT OF ED/XXXX and review all the identity theft information that I previously sent you.

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 2020-09-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$250.00}, {$9000.00}.

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 XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not 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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
These accounts listed on my credit report are fraud. I have explained to TransUnion representatives several times but they continue to report Fraud accounts. The accounts for Division of Child Support, XXXX XXXX, XXXX, and XXXX XXXX are not mine. I have not received anything from these companies & did not give them my information to open any accounts. This stuff does is all FRAUD.

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 2018-08-30
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Good Afternoon, My name is XXXX XXXX. I have a business checking account with BB & T. I opened the account online, was approved and transactions have occurred since the beginning of this year. 
2 weeks ago a person in NC made a claim to BBT that they are an owner in my XXXX. Because of this the bank has blocked my activity and access to the account. BBT for the last 2 weeks has not had a representative contact me personally to explain the situation or provide a time frame for a remedy. 
The other individual 's attorney has had 2 weeks to provide documentation of proof of llc ownership and has not. 
BBT will not provide me with a time frame for how long the other side can block my account.

BBT has failed to provide any sort of customer service or involved action to provide me with details, remedy or timeframe for resolution. 
Bills need to be paid and we are 2 weeks behind at this point. 

XXXX XXXX XXXX

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 2018-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed Bankruptcy for more than 10 years now, and it still shows that I still have a bankruptcy on my record. That's the reason I can't get a higher score until now. I've been paying all my credit cards and still shows a low score. I don't even get a credit card on some department stores until now. 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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 {$0.00}, {$250.00}, {$9000.00}.

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 XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello I signed up for Barclays XXXX  XXXX XXXX XXXX towards XXXX end with a promotional offers of XXXX XXXX XXXX and {$95.00} statement credit after spending {$2000.00} within 90 days. I met the requirements and got the XXXX XXXX XXXX but haven't got the {$95.00} statement credit. Barclays is denying {$95.00} statement credit and telling me that it's not in the offer terms Luckily I got the offer terms downloaded before that offer was gone and also took the screenshot from their website. Attaching both with my complaint

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 2019-01-09
Company: Northstar Location Services, LLC
State: SD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX a letter was sent out by Northstar Location Services , LLC on behalf of XXXX. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like XXXX to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from XXXX to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Navient Solutions, LLC.
State: MA
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:
DEAR MANAGER/NAVIENT! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: IL
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:
In XX/XX/XXXX I contacted Experian asking them to remove the bankruptcy the listed on my credit report. In addition, I asked them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. Their response to my dispute was the United States Bankruptcy Courts of Illinois is the company that reported the bankruptcy on my credit report. In XX/XX/XXXX, I had reached out to the United States Bankruptcy Courts of Illinois asking them if they had provided this information to Experian. In response, I received a letter from them stating that the courts do not perform any activities with the credit bureaus. I submitted this letter to Experian and they are still refusing to provide me with accurate information on how they are reporting this bankruptcy on my credit report. Since, they are falsely doing so, I have decided to reach out to you for 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 2018-08-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX I tried to open a XXXX checking account and was told they could not open it because chexsystems was frozen. I told them I have never frozen it so they called chexsystems and they said it was not frozen to try and pull again. They did this again and it came back again saying frozen. On XX/XX/XXXX again XXXX tried again to pull my report and it came back saying chexsystems is frozen. We called again and was told it is not frozen. Chexsystems told them to pull it again and they tried again and was still showing frozen. I ordered a copy of my report and called in and was told again it was not frozen. I have never had a problem in my life opening a checking account and now I have 4 XXXX inquiries I want removed because all 4 times chexsystems said it was frozen. On the back it says XXXX XXXX frozen. Yes I did freeze that but not chexsystems. It was frozen because of the breach XXXX XXXX had. I would like that removed from my chexsystems report as that is coming through to banks that I have my chex report frozen which I do not and never have. Dl number is XXXX ss XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: M&T BANK CORPORATION
State: OH
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:
I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. 
MT BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.

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 2021-09-22
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
My Citi-bank card was used without my authorization. I contacted Citi-bank after not receiving my bill and they connected me to the fraud department. Beginning on XX/XX/2021 they reported numerous charges or attempted charges through XX/XX/2021. The person 's name that used my card is listed as XXXX XXXX. I have reported this to XXXX. 
The person that used my card changed my address, phone number and email address. I don't understand how this was done without my permission, I used this card at XXXX XXXX group and they reported that they were hacked and patient 's information was exposed.

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