BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
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 XX/XX/XXXX, I had a reservation for a XXXX XXXX XXXX XXXX that I booked through XXXX. I arrived on time to pick it up with my partner, whose name I put on the reservation since I expected he'd be the primary driver. My partner lost his driver 's license while we were traveling, and despite him having the license number, he wasn't able to claim the rental car. 

The manager at XXXX XXXX XXXX XXXX told me that if I had booked through them, they'd either be able to change the name on the reservation to my name or add me as a driver with no problem whatsoever. But, since I booked through XXXX, I was required to ask them to make the change. 

I spent nearly an hour on the phone with XXXX and they refused to add me as a driver or change the name on the reservation. I asked to speak to a manager multiple times and the person I spoke to refuse to escalate my issue to someone who could help. We were stranded at the airport without a car despite making reservations well in advance! It was a nightmare. 

So, since we were out of options, I had to purchase another rental through XXXX and paid {$350.00}, which is {$110.00} more than I paid XXXX for the same exact car. Attached is the {$350.00} charge from XXXX XXXX XXXX XXXX which was posted to my account on XX/XX/XXXX when we returned the car. 

I asked Citi Bank to remove the {$240.00} charge from XXXX on my account within 14 days of the incident. Citi didn't get back to me to reject my dispute until XXXX XXXX almost 3 months later! I immediately called their service department and tried to appeal. I also appealed in writing via email. *This is a service I paid for and did not receive. * XXXX XXXX XXXX XXXX management confirmed that there is no reason why they couldn't have either added me as a driver or changed the name on the reservation. For goodness sake, my name was on the credit card that I made the reservation with! 

Today, a month after I filed the appeal, Citi finally responded with, " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute had passed. '' It wouldn't be outside of the timeframe if Citi didn't take so long getting back to me the first time! 

This has been an awful experience and I am regretting having chosen to have a credit card and bank accounts with Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: ZuntaFi Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received an email from a company I had never contacted or done business before indicating that they purchased a debt and I was to make monthly payments to them. I notified them once on XX/XX/XXXX, and again on XX/XX/XXXX that I wished for them to provide verification of this debt. 

They did not respond to those requests. 

Earlier this month I noticed they had reported an account in my name as delinquent. I contacted them to try and resolve this issue. After much back and forth they sent me verification of the debt on XX/XX/XXXX, and I received it on XX/XX/XXXX. I withheld payment as the debt was never verified, and the now refuse to alter their reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I received a 30-59 day late reporting to my credit for a missed payment on XX/XX/XXXX. I was not given a courtesy phone call nor letter stating I had missed a payment during that month. I was told that the reason I did not receive notification was due to the fact that I was a paperless customer and if I were to look over my statement I would have known I was past due. I sent a certified letter to the executive office advising there were extenuating circumstances that led to the missed payment and that as soon as I realized I rectified my account on XX/XX/19. I have always paid over and above the minimum due and been an outstanding customer. I was contacted on XX/XX/19 by Chase in response to my letter stating they would investigate. I called back on Monday XX/XX/19 and spoke with a representative by the name of XXXX XXXX. I informed Ms. XXXX that I believed I should be given a goodwill adjustment and have the late reporting removed from my credit as it did not reflect my credit worthiness nor my ability to repay my debt. She did not once ask what my extenuating circumstances were and offered a resolution of contacting the bureaus myself. I told her that, that would not do anything and if there were someone else I could speak with. She then appointmented herself as the highest authority due to the fact that I called the executive office and stated that if I were to write another letter she would be sure to respond to it with the same resolution. At this point in the conversation I was completely distraught and actually crying - she shouted over me then stated she would notate my account and have a supervisor contact me. This late payment will potentially hinder me from purchasing my first home and do not believe I have been treated fairly by this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, I received a notification that I had a {$220.00} collection added to my account for an XXXX XXXX XXXX bill, and that a new name had been added to my credit report. When I looked, it was from Franklin Collection Services under my brother 's name, even though it is on my report.

I never received notification or anything concerning this account previously required by 15 USC 1692 809 ( a ) neither in my name nor in his name, yet it has ended up on my credit report. The only communication that has occurred was the notification from XXXX  and XXXX  telling me that I had a new collection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed an account with Experian that is being shown as current when it was really closed in XX/XX/2013. They finished their dispute and have left the account open. It is materially effecting my credit. 

The account in question is with XXXX for {$16000.00}. I have reached out to XXXX and they have provided a letter stating it was closed in XX/XX/2013. 

Please help in getting this removed from my report. 

Thank you 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 2018-05-21
Company: EQUIFAX, INC.
State: PA
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 have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Capital One failed to report my account to XXXX which is in excellent standing causing my XXXX  score to drop from XXXX to XXXX. I sent them a FCRA notification on XX/XX/XXXX. I was assured by Capital One their mistake would be corrected. That mistake has never been corrected to this date. 

Yesterday ( XX/XX/XXXX, I checked my credit report with XXXX. The same thing has happened again with Capital One failing to show my excellent credit history with Capital One which has again damaged my XXXX score from XXXX to XXXX. 

I have sent Capital One a FCRA letter demanding them to correct their mistakes within 10 days or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: VA
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:
There are many mistakes appear in my report without my understanding.

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 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.

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 2019-03-28
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and NAVY FEDERAL CU was no successful resolution. NAVY FEDERAL CU was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: PA
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 have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.

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 2018-05-21
Company: Experian Information Solutions Inc.
State: TX
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 company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with Experian and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.

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 2018-06-29
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had been paying on my student loan by automatic deduction beginning in XX/XX/XXXX. In XX/XX/XXXX I learned about public service loan forgiveness. I then transferred my loan to the Dept. of Education to be eligible for loan forgiveness in the future. When I spoke with a counselor over the phone explaining that I was making this transfer to be eligible for student loan forgiveness she suggested that I choose a repayment plan. I asked her which one was appropriate and she advised me which plan to choose. The repayment amount was less than what I had been paying. I chose this plan based on her advice and began making payments by automatic deduction. In XX/XX/XXXX I called Mohela, the loan servicer, to ask a question about loan forgiveness. That counselor advised me that my repayment plan was ineligible. She suggested a repayment plan that WAS eligible and I chose it and again began making automatic payments. The payment amount was consistent with what I had been paying originally. 
In XX/XX/XXXX I called Mohela with a question about the status of the public service loan forgiveness program and was informed by them that my repayment plan was ineligible. They suggested that I transfer my loan to the Federal Loan Servicing Program. 
Today, XX/XX/XXXX, I received an email from the Federal Loan Servicing Program informing me that my repayment plan was ineligible for public service loan forgiveness. They informed me today that I must choose a plan that is hundreds of dollars per month more than what I am already paying. After ten years of these payments, I will be eligible for loan forgiveness. In ten years I will be seventy-five years old. 
Had I not been misinformed by Mohela on two occasions since XX/XX/XXXX I would have been making eligible payments and be able to apply for loan forgiveness in XX/XX/XXXX. 
I hope there is a way you can help me rectify this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I

completed a 36 month lease agreement for a XXXX XXXX XXXX   with XXXX XXXX XXXX XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While XXXX XXXX XXXX   had possession of said vehicle, XXXX XXXX XXXX   was given a detailed inspection list of wear and tear for end of lease damage. XXXX XXXX XXXX in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX XXXX XXXX.

as of XX/XX/XXXX XXXX XXXX XXXX still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.

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 2019-03-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed on XX/XX/2019 for XXXX dollars through XXXX XXXX and it put me in debt and made me overdraft so now I have to pay overdraft fees as well. I contacted chase bank and they refunded the initial amount then the claim closed and said they couldn't get the money back. I have talked to the police for the scam but more so than likely nothing will change so I'm hoping this can help return my money.

Company response to consumer: Closed with explanation