BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
My Best Buy Credit Card, was transferred over from XXXX to Citicard in XX/XX/XXXX. I have contacted Citibank in 3 different occasions, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid the annual dues for the account and my account was confirmed to have a XXXX balance on a recorded line. I just had another call today XX/XX/XXXX at XXXX were they reconfirmed my account has a XXXX balance. However my credit report shows a delinquent account from Citibank Best buy account, they have told me that this would be removed since XX/XX/XXXX and it has n't, they do not want to provide me with written proof that i have a XXXX balance or that my credit report has been updated.

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 2017-04-11
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Reference case # XXXX I dispute response from Progressive. This is the first time I have seen their documents. 

1. Dispute of the nature of amount owed : On XX/XX/XXXX, XXXX disputed the alleged debt within the 30-day period. When we received their letter of XX/XX/XXXX, she disputed both the validity and the nature of the amount owed. This is stated in the last sentence of her first paragraph ( attached letter labeled " CFPB-XXXX '' ). 
I did not receive a reply nor did I receive any documentation I asked in my letter. This is the first time we have seen their attachments ( you can see the footer date is XX/XX/XXXX ). 
2. Dispute within 30 days : Within the requisite 30 days, their claim was disputed. 
3. XXXX not a signatory : As you can see in the attached file labeled " CFPB-XXXX '' I did not sign any documents. None of these bear my signature. 

Original statement : On XX/XX/XXXX, I disputed the alleged debt within the 30-day period. When I received their letter on XX/XX/XXXX, I asked for detailed documentation in the attached letter labeled " CFPB-XXXX ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDCPA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2021 there was a charge on my checking account with Bank of America in the amount of {$1400.00} and on XX/XX/XXXX another charge in the amount of {$390.00} through a merchant that I previously used for my business. The merchant is a remittance center that I used to send international transfers in the past for products for my business. I did not authorize these XXXX charges and I was not aware of them until my bank sent me a notification saying my funds were low and thats when I viewed all transactions and noticed this issue. I immediately contacted Bank of America and started a fraudulent charge claim on XX/XX/2021 they cancelled my debit card and sent me a new one and informed me to look out for the claim status within XXXX  days. Today is XX/XX/XXXX and I got a notification that my claim has been resolved but not paid. I did not authorize those XXXX transactions on my account and the bank needs to refund the money to my account and resolve 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 2017-04-14
Company: JH Portfolio Debt Equities, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Submitted a BBB Complaint on XX/XX/2017 for Debt Validation to J.H. Portfolio Debt Equities LLC and was forwarded to the business the same day on XX/XX/2017. The company did not respond until XX/XX/2017 and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ), the company can not report my account to credit reporting agencies until the debt validation is provided. J.H. reported this account to XXXX and XXXX on XX/XX/2017. The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to 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 2017-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a complaint against equifax due to the fact that I have contacted them via phone and letter to have some inquiries deleted off of my credit report. I received a response from the credit agency that the inquiries are factual and that they will remain on my report. The Hard inquires in question are XXXX, XXXX, Off lease only ( 2 times ), and XXXX. I am filing this complaint in order to assist in correcting this matter ( removing the unauthorized inquiries ) from my report so that it can reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called and wrote multiple letters Equifax to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
TRANSUNION AND XXXX HAVE STILL NOT PROVIDED ME THEIR PROOF OF THEIR INDEPENDENT INVESTIGATIONS INTO THE FOLLOWING INACCURATE ACCOUNTS THAT I HAVE DISPUTED MULTIPLE TIMES : XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX TRANSUNION AND XXXX CONTINUE TO ONLY PARROT INFORMATION FROM CREDITORS AND THE ONLY THING TRANSUNION AND XXXX DID is submit the dispute through a computerized system known as eOscar THAT IS A CLEAR VIOLATION to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report- as was proven in ( XXXX vs. TRANSUNION XXXX & ( XXXX XXXX XXXX, XXXX XXXX et al ) TRANSUNION AND XXXX should have conducted an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditor in question, THEY DID NOT!!!

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 2017-04-13
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call today from Asset Recovery Associates ( ARA ) ( XXXX ) about a debt owed to XXXX now owned by some XXXX affiliated affiliate. The last time that I had service with XXXX was when I moved from XXXX in XX/XX/XXXX when I paid them in cash and received a receipt for final payment. They claimed that I had not paid them. I produced the receipt and they withdrew the claim and discharged it. I never heard from them again. I filed for bankruptcy in XXXX and had all known debts discharged. i am not sure if i included XXXX as a known debt but since i had not heard from them in over 10 years, my assumption is that it was not included. The disputed amount, if my memory serves me right was about {$300.00}. Today ARA called me and claimed that i owed $ XXXX and that they would settle for {$1000.00}. I refused and demanded that they provide documentation from the XXXX. They threatened me with court action, liens making disparaging remarks on my credit report. More disturbing is that they had my SSN and had access to my credit information. It has been over 22 years since I thought i had settled this debt. What are my rights on a debt that has been dormant for this amount of time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, XXXX, and Experian. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.

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 2021-12-13
Company: EQUIFAX, INC.
State: MD
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a total of six validation requests but I never received a response from this company. My initial request was on XX/XX/2021 but nothing has been done. 

They are reporting an inaccurate account with both an " Open '' and " Closed ' status. This doesn't make any sense and it's been months like this.

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 2020-04-22
Company: Mr. Cooper Group 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 information incorrect

Complaint:
MrCooper sold my loan and it is showing on my report that it is an open loan I have contacted them twice to remove it and they have not. It is stopping me from trying to refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NY
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:
Im challenging the incorrect with XXXX XXXX XXXX from my credit report Where you have clearly violated the law and have put on my credit report erroneous, obsolete and inaccurate information that is affecting my from getting a loan for my health condition XXXX XXXX XXXXXXXX I wanted to be removed it from my credit report immediately I report case to the general attorney of New York for 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account # 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 instruction
s

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I began using Venmo only 2 weeks ago and feel this company is a total scam used to collect people's information and then deactivate their account for no justifiable reason whatsoever.  On XX/XX/XXXXXXXX XXXX. With customer relations informed me my account was frozen and i needed to send in copies of my ID, photos of my actual debit and credit cards registered in my account, as well as bank statements for those accounts.  I sent them all my information as agreed which I thought was rather suspicious needing all that to simply verify my identity and ownership of my accounts and then after I sent all of those things, without any justification deactivated my account.  I suddenly start seeing fraudulent charges on those accounts I sent to them.  Is it by belief this company simply collects people account information and once received close their accounts only to sell that information to who knows where cause I never had fraudulent charges on my accounts until I sent this company all my financial data they asked for..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
ON XX/XX/2017, my online password, PIN number and security question answers were changed and an unauthorized debit was made on my AMEX Serve account for {$410.00}. They told me it would be resolved in 7-10 business days. It was n't. Then they said it should be resolved in 30-45 calendar days to give them time complete the investigation. They said I will be contacted by phone or email if I was needed or once they resolved the matter. I have called more than 10 times on my own because their has been no resolution or contact on their part. Even though I changed all the info with their help, it happened again on XX/XX/2017. The info was changed again and another debit was made for {$100.00}. I placed another dispute with them and they said it would be placed with the initial dispute and escalated to be resolved and someone will contact me within 24-48 hours. No one did. The 45 days was up on XX/XX/2017. I called once again and they said they are still working on it but they have no info to update me with, I just have to wait and no supervisor can assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was sent emails stating that they would assist me with an income-driven repayment plan. Not only was I deceived in their intent to assist me but after numerous delays in processing by Navient to start the deductions, they notified the credit reporting agencies that I was late in my payments and now I have lost XXXX points on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the Delta Gold Skymiles Card from American Express on XXXX XXXX, XXXX. I signed up for an offer of XXXX bonus Skymiles after spending {$1000.00} on the card within 3 months of account opening. I fulfilled this spend requirement shortly after, and American Express themselves initially confirmed on XXXX XXXX, XXXX that I met the spend requirement for the XXXX Skymiles bonus ( thus verifying the bonus was attached to the account ). After this, I made a phone call to American Express customer service to follow up on when the Skymiles would post to my account, and a representative told me verbally that if I did n't see the Skymiles in my account by XXXX XXXX, I should call back. Shortly after XXXX XXXX had passed, I called back to American Express and they told me that I was ineligible for the bonus and would n't receive it, regardless of what multiple representatives had previously confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been attempting to dispute my credit report with the XXXX bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. XXXX, TransUnion, and XXXX have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, XXXX XXXX XXXX lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by XXXX that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for XXXX I get turned down right away, when Ive had a XXXX attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. XXXX states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.

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 2021-12-13
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
It is common knowledge that Discover Student Loans offers a .25 % interest rate reduction when a borrower signs up for automatic payments. 

I as a borrower have the right to choose these automatic payments as long as the amount remitted per month is equal to the minimum amount due per month. 

Interest on student loans is compounded daily. 

I asked if I could have the .25 % interest rate reduction by having weekly automatic payments as opposed to monthly full automatic payment and they stated that I could not as the .25 % interest rate reduction is only if you do it on a monthly level for the full amount ( Over {$600.00} in my case ) There was nothing stopping me from paying weekly, but I would still have the {$600.00} payment each month in order to qualify for the interest rate reduction. 

Paying weekly would allow me to pay the same per month AND have less interest accrue overtime on the principal balance. 

Whether or not you choose to have the payments be weekly or once a month on an automatic level SHOULD NOT bar me from gaining the benefit of the .25 % interest rate reduction on a loan with an interest rate of 13 %. 

I need this remedied. 

As Discover Student Loans has a no prepayment penalty. ALL benefits on monthly payers should apply to weekly payers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Ocwen called us about our Mortgage, said we were behind, we were NOT in fact we had paid over what we owed. We pulled bank records etc to proved where we paid and asked where it had gone, no response. Next I know we are getting letters stating our home is going in forclosure and going to be offered on a sheriffs sale unless we take this Modification they are offering. after going back in forth with them for weeks, months we were forced into taking this modifaction just to keep our house, then find out after we sign it the added a balloon to the loan and has hurt our credit. I was at an  XXXX   credit score  now I am at a  XXXX . Oh also our payments went up, not down, however I cant find another company to take over the loan as they have hurt our credit, added all these fees etc to the loan resulting in thousands of dollars, what does one do? please let me know what we do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!

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