BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
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:
I incorrectly paid the wrong credit card company and they have not refunded the payment. They agree they owe me the money, but have not set any kind of a deadline or firm process for the refund. Citibank owes me {XXXX}. The payment was sent by XXXX XXXX on XX/XX/XXXX, I called Citibank on XX/XX/XXXX when I realized the error and they said the funds would be returned quickly, once it posted. I was called on XXXX by the customer service person who had taken my call the day before and she told me the payment had posted. She said a manager would review the issue and the refund would take 2-3 days. A manager did n't review for several days, but approved the refund. When funds did n't show up in my checking account, I called and was then told there had to be " an investigation '' that could take several weeks and once the " investigation '' was completed, it would take 2-3 days to refund the money.  Citibank does n't appear to have a serious intent to promptly return the funds. 
The credit card was paid from an account with XXXX XXXX and they opened case # XXXX on XX/XX/XXXX. They have not obtained any information to this point either. I do not wish to have this dispute drag on when Citibank has admitted they owe the refund.

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 2022-04-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was hospitalized for over 60 days from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX then hospitalized again in XX/XX/XXXX for 13 days with XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX. I have been in rehabilitation care from XXXX XXXXXXXX to now and have tried to contact Home Depot Credit card service Citi bank about my health but I am being told there isnt anything that they can do to help with all the late fees because I have had a late fee waved in the past 12 months prior to this XXXX XXXX XXXX 

I missed the XXXX and XX/XX/XXXX payments and was charged lates fees. I tried to get late fees removed stating my circumstance detailed above. I then made 2 payments in XX/XX/XXXX, was told I was caught up but the late fees again would not be removed. I get harassing phone calls and was offered to sign up for hardship program where my account would be closed, late fees would be moved to the end which means I would have to pay them and I would be setup with a low payment and number of payments to pay it off. Minimum payment was {$29.00}. 
I do not wish to close my account and have all this negatively impact my credit and I am still XXXX XXXX  and in XXXX XXXX XXXX need help getting this resolved

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 2022-04-08
Company: Kikoff Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX, a line of credit of {$500.00} through a credit builder company, to establish a line a credit. The objective is to make monthly payments, and at the end of the year -- company releases funds, as paid satisfactory. 

This account however, was opened in error -- I can not confirm which email, or checking account they have linked. Furthermore, no funds have been pulled, ie : XXXX XXXX. 
In addition I have been calling the company twice a month, to reach a voicemail, that does not have customer service, and states : that it does not accept any voicemails. 

Final attempts to reach the company with zero results, until today when I saw my credit reports for XXXX of XXXX -- it indicates the opening, ( error ) and two late payments for XXXX and XXXX of XXXX. Upon further investigation and updates to their website- for communication, I managed to find an email ; a complaint was sent out today, to request the closure of the account -- and to remove the errors in its entirety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. 

I have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: TX
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:
the usa credit bureaus have failed to correct errors in their reports within the allotted time. 

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date. 
I only have contact with a mail service in Texas. 
1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed. 

2. XXXX is not my name. remove it. Crossed accounts? 

3. XXXX is not my telephone number. remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 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 a account without my written instructions

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 2021-06-12
Company: Experian Information Solutions Inc.
State: TX
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:
the usa credit bureaus have failed to correct errors in their reports within the allotted time.

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date. 
I only have contact with a mail service in Texas. 
1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed. 

2. XXXX is not my name. remove it. Crossed accounts? 

3. XXXX is not my telephone number. remove it.

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 2019-07-11
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the co-signer of a Sallie Mae variable-rate loan. The loan rate is based on the monthly Libor rate. 

The Libor rate has gone down. Sallie Mae has not lowered my rate which is currently 4.25 %. On Sallie Mae 's website they are offering the same type of loan, with autopay enrollment ( which I am enrolled in ) for 3.98 %. 

I called Sallie Mae and was told the loan rate is based on when it was taken out. This does not seem correct since the loan rate is based on the monthly Libor rate which can go up or down monthly. 

I expected loan interest rate fluctuation when I signed for this loan. I expected it to go up and down- not just up. 

Sallie Mae is guilty of False Advertising to Students- casusing additional student debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
1. I signed up with Experian 's credit monitoring service.

2. Through their credit monitoring service they suggested applying to a card with one their marketing partners so that my total percentage credit used would decrease.

3. They then sent me marketing information about a marketing Sponsor named XXXX which they said had pre-approved me for a Master Card. They used the word PRE-APPROVED, which would imply no hard checks on my credit.

4. Although I was approved for that card, there was nevertheless a hard check on my account.

5. In short, Experian actively encourages users of their credit monitoring service to sign up with one of their marketing sponsors, both by making it appear that having more credit is beneficial to the overall credit score, and then leading people to marketing sponsors like XXXX which claim to have pre-approved them for credit - when in fact the marketing partner still performs a hard credit check, thereby in fact damaging the consumer 's credit rating. 

6. What Experian and XXXX are doing is in fact a fraudulent hard check on my credit.

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 2019-10-11
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : National Credit Systems Account # XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX CC : Regular US Mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: GA
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:
Equifax refuses to delete an item that has been on my credit for 7 years. XXXX  and XXXX  has already removed this item. I have tried since XX/XX/2021 and I have been hung up on, on hold for long periods of time. They have people that are not knowledgeable of the law and don't have any customers service. As of today XX/XX/2021 I have been on hold for at least 44 minutes as the rep say he's looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Colony Brands, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I ordered from Swiss Colony : Chicken, duck, pheasant ; advertised pricing {$92.00} plus shipping and handling. 

I only received a very small chicken in this order. 

Swiss Colony Representative stated I could not return item for refund Swiss Colony Rep apologized, but mislead me into believing, the order was accurate. 

I later revisited the site and the same chicken, duck, pheasant was advertised for {$92.00}. 

The price has now changed as of XX/XX/2020. 

I also have an Swiss Colony account with recent payment of {$25.00} and {$50.00}, the Swiss Colony statement does not reflect correct available credit to this account for payments rendered. 

I have XXXX ( XXXX ) available credit on my {$300.00} Swiss Colony credit card, which is an error and degrading. 

I was issued a XXXX XXXX credit account. 

After one ( 1 ) XXXX XXXX  purchase and payment, Swiss Colony, without my knowledge, transferred my payment and balance to my Swiss Colony Account causing a high balance/interest. 

Swiss Colony is requiring one hundred percent of purchase price for orders place, when Swiss Colony approved my credit. 

Swiss Colony/XXXX  XXXX is requiring deposit, " full payment of order '' to establish already established credit with Swiss Colony/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

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 2017-10-02
Company: Asset Management Outsourcing, 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: Old information reappears or never goes away

Complaint:
XXXX is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for XXXX. When I asked them about it they said to contact XXXX but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: BANCO POPULAR DE PUERTO RICO
State: AL
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 BANCO POPULAR , PU this is identity theft and I reported it as such. 
someone used my information to obtain a loan and the loan company has not removed this from my credit report. I filed a police report and reported info to the ftc. 
Highest balance {$7000.00} Monthly payment {$160.00} Opened XX/XX/2021 ( 8 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling saying they are with American Express and looking for XXXX. I have no idea who XXXX is and have told them numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Background report. The only charge that is a felony is the possession of cannabis, the other two charges listed should be misdemeanor charges per court documents that also stated the plea was NO CONTEST, not GUILTY. In this report all charges are listed as felonies and GUILTY that is incorrect.

Company response to consumer: Closed with explanation