BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have the Sears credit card which I closed and without my request they opened an accounts on shop your way, after I closed the account on this card. I talked to city bank they told me that the account was closed but I am still receiving statements every month. When I looked for the manager they stated they don't know and can't fix anything. They are opening cards without my consent or without me asking them to. 
These are the last digits of the cards they opened without my request. 
XXXX, XXXX, XXXX, XXXX, I have one card XXXX and I closed this card with the 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 2022-10-26
Company: Experian Information Solutions Inc.
State: UT
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:
Re : XXXX This is about the deletion of below-mentioned account from XXXX on XX/XX/2022 XXXX 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I request your Company to delete the above-mentioned account from your records immediately. 

Pursuant to 15 USC 1681SXXXX ( a ) ( XXXX ) ( b ) ( ii ), the information provided by the furnisher was inaccurate. Therefore, I request your Company to remove the same as early as possible. 

Since XXXX was given the notice the information is false, they deleted the inaccurate information.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I can not wait to return this vehicle and never deal with XXXX XXXXXXXX  again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX or XXXX   due to this bank, you have lowered my credit score. I am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus

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 2020-09-11
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX. THIS IS THE 3RD TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX. 
The following phone numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I have an unverified account from the following companies : XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. 
My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XXXX  # XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX. THIS IS THE 3RD TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX. 
The following phone numbers are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have an unverified account from the following companies XXXX XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. 
My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XXXX # XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is from XX/XX/XXXX and I didn't receive notice or summons until XXXX or XX/XX/XXXX. The statute of Limitations has expired for this debt. They say the debt is valid.

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 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've have been in contact with XXXX XXXX since XX/XX/XXXX as to why my Mortgage is is listed as closed at all 3 credit bureau. I've been told repeatedly by XXXX XXXX representative they're updating ... My account was closed or removed from all credit agencies since XX/XX/XXXX. I've gone to the a local branch office to address my situation and once again, was told in the situation will be corrected. This has been going on since XXXX of XXXX ... I recontacted XXXX and was told my account will be finalized/added to all reporting agencies the first or second week in XXXX. I'm at my wits end and reaching out to you for assistance. Please note, I am trying to rebuild my credit but clearly XXXX XXXX is not helping me in this endeavor. 

Thank you! 
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 2022-11-18
Company: MOHELA
State: VA
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:
Applied for XXXX in XX/XX/XXXX. My loan was then transferred from XXXX to XXXX XXXX and then to MOHELA ( since XX/XX/XXXX ). I received a letter from MOHELA that I did not qualify for XXXX in XXXX ( with no reason given ), so I phoned MOHELA and the rep indicated that my form was invalid because my employer name/signature was cut off. I had a copy of the original I sent with signature intact, so they put me through to a manager who said that all forms came that way from XXXX because they were reviewed and were preapproved. Since then I have had to call MOHELA repeatedly because they were not posting my payments. For about 2 months only 12 payments posted. I asked that they request my records- they did, then 120 payments posted in XXXX with XXXX of these ineligible. All payments between XXXX and XX/XX/XXXX were missing/not posted, but the deferment periods from this time frame were posted. My servicer was XXXX XXXX ( now defunct ) from XXXX so I reached out to all of my past loan servicers to get the XXXX records and complained to XXXX. of XXXX that they were missing. I just received these records from XXXX ( who previously insisted they did not have them and did not provide them in a previous mailing ) via postal mail on Monday, XX/XX/XXXX. Today, I took off work to call MOHELA and have now spent 7.5 hours on hold. After a lengthy wait, I speak to the rep ( always in training ) and they hear my request and refer me to a supervisor and I am on hold indefinitely. I am in the second round of this and about to hang up and redial since I have been on hold waiting for a supervisor with no contact from MOHELA for 3.5 hours. I have roughly 160 eligible payments for XXXX and can not seem to get MOHELA to acknowledge and count these payments. I am due a return on the overage of payments and am in a holding pattern until they actually count all of my eligible payments. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CITIBANK, N.A.
State: MS
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:
When I contacted CitiBank on XX/XX/XXXX for their promotion, I was informed that I would have 0 % APR for 12 months and 0 % APR for balance transfers for 21 months. However, I check my account and reached out to CitiBank today ( XX/XX/XXXX ) and was instructed that I didnt receive the 0 % APR for purchases and it only applied to balance transfers. If you go to their website you will find that the CitiBank Simplicity card offers 0 % APR for purchases and balance transfers. I applied over the phone the on XX/XX/XXXX and was informed I would have both and I have spoken with another customer service representative and was instructed that I had until XX/XX/XXXX. When I called today XXXX stated I didnt have it and their was no one else to assist me and no calls could be pulled. XXXX call reference # XXXX would not allow me to speak with a supervisor and/or manger and stated no would could help me. Also, XXXX reference # XXXX informed me that he was unable to find my promotion and no one else could assist me with finding it. I was informed more than once that I had 0 % XXXX by a representative and no one will help me pull the call to hear what I signed up for. Could someone please HELP me or make sure that they stop misleading information? I should have never done my application over the phone and I have learned a valuable lesson. Thank you! 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 2017-06-26
Company: NATIONWIDE ACCEPTANCE LLC
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: Account status incorrect

Complaint:
Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.

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 2017-09-21
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A supposed debt collection agency out of XXXX named Midland Credit called me and stated that I owed some {$610.00} from an account that was closed in over three years ago in 2014. I was skeptical since I could barely understand those speaking to me. They did have some information about me and the account correct, but there have been so many breaches and hacks lately that I figured this was a scam. 
I am concerned because I checked my credit report and see that Midland Credit has been able to place a derogatory statement against my credit on XXXX and XXXX. I am having a hard time trusting these credit reporting agencies, also, due to recent breaches. 
Is Midland Credit bonafide? Since the debt was settled over three years ago, what do I do now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020, my banking institutions emailed me alerted me that I exceeded my budget. I logged in to my account and I saw that Fay Servicing withdraw {$830.00} from my checking account. 
I called the customer service and spoke to a lady. She claimed that on XX/XX/2020, someone called in to make a payment transaction over the automated phone systems. I explained to her that I never call to make my payment to a robot. I always spoke to a human besides, my payment is due on the XXXX of the month. 

I asked her to get the name of the person who made the phone call. She went and checked, she came back and said sorry, I can't get the information of the person that ordered the payment. I said you don't protect my information against a thief they don't guard my bank account numbers in their systems. Then she told me to get the paperwork of my Bank transaction to send to her and they will refund my money. 

MY point is, Fay Servicing allows anyone to hack their system and steal their customer information specially the bank account the law should make that illegal actions. 

I went to my bank and file a fraudulent withdrawal from my bank account. Two days later the money was back to my bank account. Fay Servicing put my bank account information in danger. 

I want Fay Servicing to change its policy to protect all information from all borrowers in their systems. 
I was lucky enough to get my money back. What if I wasn't able to get my money. Fay Servicing will just say is not our fault. Its the fault of the telephone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: WELLS FARGO & COMPANY
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:
I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and XXXX did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been removed.

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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$530.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$530.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$17000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$16000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$3200.00} Date OpenedXX/XX/XXXX Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeHome Equity Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$39000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$39000.00} Date OpenedXX/XX/XXXX Dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXX XXXX ( XXXX )XXXX XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
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 is missing that should be on the report

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 2021-04-28
Company: EQUIFAX, INC.
State: IL
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 filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX  : {$5700.00} XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$6000.00} XXXX XXXX XXXX  : {$150.00}

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