BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card company failed to inform me about the penalties they imposed to me, i called costumer service XX/XX/XXXX XXXX they just told me they sent letter to me no action being made in favor to me which i feel this is not my fault they should call me and send email to me to make sure i dont get trouble with my credit card they dont do it because they want collect more money to me this is just a small amount of money but for me as laborer or just getting per hour job this is big to me and i feel injustice of my credit card company. they even failed inform to me that i have to pay them {$500.00} interest after XXXX of my credit card being activated, if i know this i never accept this agreement therefore i felt being a victim fraudulent activity of my credit card 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
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX Account # XXXX is still reported as open on my credit report. This account was closed when my insurance company XXXX paid off the loan balance in full after the vehicle was ruled out as a total loss on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: National Credit Systems,Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
THE FOLLOWING SEQUENCE OF EVENTS OCCURRED : 1. XXXX ETH ( Digital Currency ) was deposited into my Etherium Coinbase Wallet Account from an external Crpyto Exchange on XX/XX/XXXX. 
2. I sold ( Exchanged ) the ETH ( Digital Currency ) on Coinbase for USD fiat and requested that the USD fiat funds be deposited into my XXXX XXXX account on XX/XX/XXXX. See message below. 

Message Sold XXXX ETH for {$7900.00} USD. 

Payment will be SENT to XXXX BANK XXXX by Wednesday XX/XX/XXXX. 


The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested. 

See further message below : Your sell for {$8000.00} USD of ETH has started Reference code XXXX Payment method XXXX XXXX XXXX Start date XX/XX/XXXX Estimated payout XX/XX/XXXX Amount XXXX ETH Exchange rate @ {$740.00} / ETH Subtotal {$8000.00} Fee {$80.00} Total {$7900.00} The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX and Experian has a false payment report in their system from XXXX XXXX XXXX as late payment for the month of XXXX 2017 attach as well XXXX 2017 is receipt of payment made on time. 
Please removed late payment status Removed late payment status from XXXX and Experian for the month of XXXX and 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 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a call from XXXX XXXX XXXX and they had offered me a payday loan. I had taken out a payday loan for {$500.00} and now on my Credit Report they are stating i owe over {$1300.00} and am late on payments. XXXX XXXX XXXX are illegal in the State of Florida because 1. ) they are not registered to do business in FL 2. ) their absorbant fees that they charge are illegal against Fl state laws.

I want this immediately removed from all 3 of my Credit Reports.

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 2022-01-16
Company: CORELOGIC INC
State: CA
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 looked up my credit report on XXXX and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real 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
Consumer complaint received 2022-01-16
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I located a fraudulent account in my credit report for {$200.00} from Convergent Outsourcing. In the report it claims the account was opened XX/XX/19. I contacted them and Convergent explained it was a account XXXX account . I contacted the company and have sent an affidavit of fraud, copy of my XXXX XXXX bank and my id that proves the my address does not match the fraudulent account. They have refused to assist and have lost my papers 3 times! I need this account to be removed. If I had opened the account I would have paid it. I have XXXX credit score and wont mess it up for a stupid {$200.00} bill.

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 2022-01-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX suddenly closed all Personal Line of Credits and this is affecting my credit score badly. I have tried contacting them and they are not doing anything to fix this issue.

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 2017-07-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several accounts that are incorrect and not coherent with the other credit bureaus. Some accounts do n't even have my name spelled right and do n't belong to me.There are accounts that are out of date and also closed that should be automatically removed but have n't been. I have tried to submit a dispute but I have n't gotten any feedback. This is hurting my credit score more than the correct debts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/2021 ( XXXX mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX Latest fraudulent account posted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Through out the freeze Navient has consistently advised that I had to make payments even though there was a freeze by the government. Also they have collecting/charging interest on my loan when they should have From 2020 to now. They also advised I must redo my IDR prior to what is on XXXX and when you reach out to them they do not answer you in full. They will blame you or anyone but themselves. Prior to 2020 they never told people how to apply for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The transaction was made on XX/XX/XXXX, but i thought the transaction was wrong, so i disputed it using the chase app on XX/XX/XXXX. Later on, i found out the transaction was actually legit, so i called chase to reverse the dispute and pay the money back to the original payment party. On XX/XX/XXXX, i found that the dispute was reversed and the money was charged again. However, the company who is supposed to receive the money did not receive anything back. Called chase again on XX/XX/XXXX, they were saying the money was returned to the company and hung up on me twice without solving my problem. Basically, i was charge this money and not sure where this money went. Chase, please return my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Bread Financial Holdings, Inc.
State: MI
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 is now my second complaint against Comenity capital bank. 
I have been disputing an account with them for years now. 
Comenity capital bank refuses to provide any validation, statements, and/or contract that I have requested several times from them on an account they are negatively reporting on my credit report I have now found an old letter dated XXXX/XXXX/2028 from Comenity capital bank and in the letter it states Comenity capital bank does NOT have detailed transaction information in retail stores or their merchandise. ( See attached letter provided ) If they Comenity capital bank continues to REFUSE my request of validation of this account, and continues to impact my credit, I will take immediate legal action to the fullest extent of the law against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. PHEAA told me they can not talk to me. They told me I have to talk with XXXX. XXXX will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: CITIBANK, N.A.
State: NJ
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:
I purchased XXXX pieces dining set ( XXXX ) from XXXX located at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The total price of 7-piece set ( one table, 5 chairs and one bench ) was {$1100.00} including sale tax on XX/XX/XXXX. The purchase was financed by Brand Source for 12 months at zero interest after opening a new credit card account. I was advised that bench will be available in first week of XXXX, XXXX which I considered reasonable time to wait for bench. I picked up 6 pieces excluding bench form their store in XX/XX/XXXX. When I did not hear any thing from the store regarding bench, I called store on XX/XX/XXXX to find status so that I can pick it up. As I did not hear any positive response, I visited the store and talked to sale rep as well as Manager. I discussed to explore another reasonable acceptable alternative. First they agreed to accept return. But when we went next day to return, they flatly told me that there is no other alternative other than waiting for bench and promised me that bench will definitely available in first week of XX/XX/XXXX which was not acceptable. Recently, I again called store as I did not hear anything from store again. Now, they are advising me to wait until middle of XX/XX/XXXX. XXXX keep extending the date of availability with no another alternative which is unreasonable in terms of sale order and unfair business. Delay in delivering bench is causing risk of unmatching color of bench with rest of the dining set due to age which why we have to bear after paying full price. 
In the meantime, I called Brand Source to use my rights to dispute this transaction as order was not delivered as per sale order contract signed by both parties. I provided all information that all my efforts to resolve issue with the store were unsuccessful. But credit card company told they can not help me in filing dispute as I have to resolve it with the store. 

I would like to dispute {$1100.00} as I am dissatisfied with this credit card purchase because XXXX is failed to deliver all items as per sale order XX/XX/XXXX and request credit card company to investigate the issue. If above statement is correct and XXXX is failed to deliver items as per sale order, my credit should be reversed and all paid money should be reimbursed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: FIRST GUARANTY MORTGAGE CORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our XXXX K renovation loan in late XXXX of 2017. First Guaranty Mortgage took over and would be responsible for dispersing the renovation draws to the contractor. The renovation process was to take 90 days. The contractor had been paid a substantial amount of money for work that was n't permitted, was n't completed, and was done poorly. First Guaranty released all these funds without confirming permits or identifying if work was done up to HUD standards. Also, First Guaranty allowed the contractor an extension past the 6 month FHA deadline without my approval. After finally firing the contractor there was an exit inspection scheduled by First Guaranty the results from this inspection determined that the contractor owed me {$27000.00}. Now I am expected to finish my project/renovation with {$27000.00} less in by draw budget. When I communicated my concern with the individuals handling my draws they said this XXXX I wish there was something more we could do. First Guaranty has offered zero support or assistance in helping me determine how to move forward with my project and often times take multiple days to answer e-mails of phone calls.

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 2022-01-16
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 looked up my credit report on Transunion and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company Navient has been calling me telling me I owe them money, but my original loan was through XXXX XXXX in XXXX of 2006. I am not sure when Navient claimed to take over my loan, but I asked for paperwork from them showing that I owe this debt to them. They sent me a typed up paper, including a typed signature of my name, that had stated my original loan was XXXX. Navient is now telling me I owe XXXX, but can not tell me how the loan got that much. They have not provided me with paperwork confirming it. There are many problems with the one paper Navient sent me.

Company response to consumer: Closed with explanation