BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called Citibank to report some fraud charges that were made out state on my account, my wallet and everything inside was stolen from me, i mentioned to the bank that inside my wallet was a piece of paper containing my pin, the bank did their part and initiated my claim, to my belief was that all transactions were added to my claim, little did i know that the bank on their end did not add these 3 transactions, due to what reason i do not know, Bank issued come temporary credits and that's when i realize i wasn't getting all the credits i reported back, i call Citibank once again after i already had received my new card in mail and just to mention Citibank did not change my pin, only issued a new card. The representative that helped me told me that those transactions were not added to the claim when i clearly told them to add them, the failed to do so on their end, the person helping me then initiated a new claim for the missing 3 transactions, as they were not already taken care of, he did the claim and told me wait a 10 day period for credits while we investigate, i waited, days passed no emails no messages on mt Citibank portal nor mail to my address regarding this claim process etc., i took it on my end to call again to Citibank to get an update to find that my claim was denied due to not enough evidence, Citibank never reach out to me regarding evidence or anything in this matter towards my claim and denied it, Citibank is a bank and I'm a customer who reported the transactions i deserve to be treated fairly and get compensated back from my stolen monies, i ask for help to the XXXX XXXX XXXX to help reach an agreement with Citibank as me and my family can't bear this lost and its affecting us really bad, if you can come to a conclusion on all this and a better outcome me my family and everyone would appreciate it. We definitely need it right now with inflation and etc. it's really tsking a toll on us. 

Tranactions amounts and dates : 1. {$160.00} - XXXX XXXX, 2022 2. {$120.00} - XXXX XXXX, 2022 3. {$100.00} - XXXX XXXX, 2022 Total was {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: M. G. Credit, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint against XXXX, Equifax, and XXXX for Continuously Erroneous Credit Reporting Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, and XXXX regarding their continuous and reckless erroneous reporting on my credit report. Despite numerous complaints submitted throughout this year, all of which have been ignored, their negligent actions have caused significant financial and emotional distress. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Gender : Female Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXXXXXX I hereby demand that XXXX, Equifax, and XXXX take immediate action to update and correct my credit report as follows : Removal of all addresses with which I am not associated : XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Removal of the following collection accounts, as the bureaus have failed to provide their method of verification for these accounts, and I confirm that they are not mine : XXXX XXXX  # XXXX ( No creditor listed ) Account # XXXX ) XXXX XXXX # XXXX I want to stress that these inaccuracies have seriously damaged my creditworthiness and caused considerable hardship in obtaining loans, credit cards, and other financial opportunities. The bureaus ' repeated refusal to address these issues shows a blatant disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, I am entitled to have accurate and up-to-date information on my credit report, which is essential for my financial well-being. Failure to comply with these rights is a direct violation, and I will be seeking monetary damages of {$1000.00} per violation. 

I trust that the CFPB will thoroughly investigate this matter and ensure that XXXX, Equifax, and XXXX correct their reporting errors promptly. I expect a timely response from the CFPB regarding the steps taken to rectify this situation. 
Please find attached relevant documents supporting my claim, including previous complaint communications with the credit bureaus. 
Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt from Discover that is currently with XXXX XXXX XXXX. I contacted them to clear up the debt but I was told that they had to resend the debt back to Discover because they can not collect on it. I am waiting for them to resend the debt back and it is seems like they are ignoring my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XX/XX/2023, I responded to XXXX, XXXX XXXX XXXX XXXX, complaining about an increase in insurance premiums due to a " conviction. '' After calling to find out what I had been convicted of and where, I was told that XXXX didn't know, and that they got their information from Lexis Nexis. I responded to XXXX in writing ( copy enclosed ) and contacted Lexis Nexis on XXXX XX/XX/2023. I sent Lexis Nexis the letter from XXXX that said that Lexis Nexis was the source of data for my conviction. 

Lexis Nexis told me in a XX/XX/2023 form letter that they couldn't process my request because they couldn't identify me. 

On XXXX XXXX, I responded to Lexis Nexis and provided them with a copy of a recent Passport and the header statement including name and address from my mortgage provider. 

On XXXX XX/XX/2023, I got the same form letter back from Lexis Nexis, with the exception that the XX/XX/XXXX letter says that I am Consumer # XXXX / Case # XXXX. The XX/XX/2023 Letter says that I am Consumer # XXXX / Case # XXXX. 

I'm just a simple XXXX ; I conclude that I am the victim of identiy theft and that Lexis Nexis is incompetent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We enrolled in autopay for a used car loan from Bridgecrest on XX/XX/2018 for a car loan with the first payment due on XX/XX/2018. The company website set the first payment for XX/XX/2018 without making us aware that it would mean that the first payment would not be made. They called me when the loan was past due and said that they couldn't autodeduct the payment because there is a 2 week delay after signing up. Then they charged me a XXXX fee for paying over the phone by checking account. All information they had in the autopay registration from XX/XX/XXXX. This practice must be to gain extra fees and interest from late payments because it does not take 2 weeks to set up an autopay and even if it did the registration process should state that the payment will be late and provide alternatives to make the payment by the due date.

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 2017-12-26
Company: State Collection Service, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They " NEVER '' say who this company is, they say it 's on a " recorded line '' and DEMAND your personnel info. I have never once given my info out over then phone, and never will! They have called me in 1-day over 9 times, which immediately throws red flags up that it 's a scam. I did my own search on the internet, and there are 429 complaints against this phone number!! Can you say SCAM? I sure hope the FCC runs them up the flag pole, or I will have no choice but to change my number! Scam ... scam ... .scam ... .scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-01-31
Company: Experian Information Solutions Inc.
State: NV
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:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ( XXXX  XXXX- {$280.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I refinanced a federal loan upon graduating in 2006. I thought the terms of repayment were 120 payments ( 10 years ) but it appears I 've been paying on a 20 year loan. As my service provider has changed several times ( XXXX to XXXX XXXX to Navient ) I requested my " terms of repayment '' on multiple occasions. I finally received a document with the total amount borrowed but no terms of repayment. Via the customer service representative, the information has been requested several times but I have not received any documentation. 

I am concerned that I have been billed incorrectly and Navient can not produce my loan documents in a timely matter ( or potentially at all ). I would like information about my loan to make sure it is being serviced correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter off on XX/XX/2023 asking the credit bureaus to remove personal information that I did not want on my report. Here are my tracking numbers XXXX, XXXX, XXXX according to15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also15 U.S. Code 6802 - Obligations with respect to disclosures of personal information states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes XXXX ( XXXX ) ( h ). 
If you, Apple XXXX adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to XXXX ( XXXX ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Apple XXXX, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, i have noticed that per my credit report, Bank of America has reported a late payment for XX/XX/XXXX  on my credit report. This was reported to the credit bureaus without my consent. Per U.S. Code below, im asking for proof documentation that i consented for this to be reported to XXXX, XXXX, XXXX, or any other party I am unaware of. Proof of signed/agreed consent to share our transactional history is being requested. Thank you 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does *****************NOT************** include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2021-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
SECURITY FREEZE FOR MINOR In XX/XX/2021, I submitted all documentation required by Equifax in order to place a security freeze on my minor childs account. I received back a letter dated XX/XX/2021 stating that I failed to submit my government issued ID and an item to validate my address. Contrary to the statements in the letter, I submitted my drivers license and XX/XX/2021 utility bill. Additionally, the letter contained the WRONG street number for my sons and my address. I called the number listed in the letter to correct these issues and to discuss an easier, quicker, and more secure way to resubmit documents. 

First, let me point out that it is ridiculous that all three of the nationwide CRAs only allow for submitting this VERY sensitive information via mail in order to place a security freeze for a minor. 

Second, the number listed on the letter was wholly unhelpful, as it did not lead to a person able to assist me since the child is a minor and does not yet have a credit file. I was subsequently given three different numbers to call. 

After chasing my own tail trying to get some answers, I finally spoke to someone who could at least look at the scanned documents that I submitted. He informed me that I submitted an unreadable copy of my drivers license. Incorrect. I made three copies of my drivers license and went them to all three nationwide CRAs. XXXX placed the security freeze based on what I sent, so I submit that Equifax has inadequate scanners and processes for verifying drivers licenses. The gentleman I spoke to also stated that he had no record of my utility bill. Equifax LOST my data. The gentleman I spoke to had no explanation for how my sons address got added to the XX/XX/2021, letter incorrectly, as it was apparently already correct in Equifaxs system. 

This situation is a blatant demonstration of irresponsibility with consumer data. It is also not a meaningful process by which to place a security freeze for a protected consumer, which is a federally required process. I submitted a complaint to Equifax through the gentleman I spoke to, but based on the lack of care demonstrated by Equifax thus far, I hold no confidence that I will hear back or receive resolution from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Ready Capital Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out A Ppp loan for my business i completed the forgiveness application to its entirety and they did not forgive my loan instead they switched my loan to a personal loan with the 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 explanation