BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
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:
Hello, In XXXX oXXXX XXXX, I filed a dispute with the credit bureaus about the illegally reinserted collection account : XXXX XXXX account # XXXX I did some reading about credit reporting laws and under the FCRA ( A ) ( 5 ) ( B ), all reinserted accounts must be given a five day notice from the credit bureaus or it must be promptly deleted. and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed. I got this information from the FCRA.. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. 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 explanation
Consumer complaint received 2015-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This bank of america, gave all my money without letting me know to a some type of collection agency because they said that they receive a letter from a lawyer to take all my money and hold all my assests. Which they cant even tell me whom i owed with? First of all i dont owed anything that is more that {$2000.00} and second how thry can just garnish my money and gave it to the agency without letting me know and last how did they get my bank acct information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: SC
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:
Hi, I was overcharged for an XXXX purchase, and XXXX responded by rectifying the difference, as a refund, on their end. my Credit Card Company is stating they can not find, and issue the credit to my account. I have already provided the notification from XXXX, in writing, showing the refund. I am unclear as to how i should proceed.

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 monetary relief
Consumer complaint received 2016-04-19
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Balance transfer

Complaint:
To Whom It May Concern : I have been a customer of Citi Bank since 2012 and have always paid my balance in full each month except for when I have a 0 % balance transfer offer. I was recently surprised to see various interest charges on my account. I now understand that since the balance was technically not paid in " full '' ( due to the 0 % balance transfer amount ) my account accrued interest on standard purchases. 

I feel this behavior is a UDAAP violation. The 0 % balance transfer is not beneficial to the consumer if Citi Bank just allocates the interest to standard purchases each month. The proper information about the balance transfer was not disclosed and XXXX different customer service representatives gave me conflicting information. 

Accordingly, I plan to pay off the entire balance including the balance transfer immediately. I would like the balance transfer fees ( XXXX XXXX in the amount of {$210.00} ) credited to my account. 

Best,

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 monetary relief
Consumer complaint received 2021-03-16
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a bank bill payor payment of {$170.00} in XXXX and the amount was not applied to my account..Sent copy of the canceled check to investigation dept 3 times..As of yesterday, they feel they resolved the issue.. they applied to someone else 's account and supposedly sent a refund check to that person.How does that resolved the issue for me? They would not retract check nor give me a credit..This is outrageous practices..I pay my balance in full every month..I paid balance and closed the account yesterday .. I told them I was going to register a complaint..They don't care! ANy HELP WOULD BE GREATLY APPRECIATED..

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 2016-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN/XXXX/XXXX : THEY ARE REPORTING WRONG INFORMATION ON MY CREDIT REPORT!!! I PAID OFF A CAR LOAN XX/XX/XXXX AND THEY ARE STILL SHOWING IT. THE ARE SHOWING A B OF A LINE OF CREDIT STILL OPEN - I PAID IT OFF AND CLOSED IT 4 YEARS AGO. THEY PUT THAT I WAS 30 DAYS LATE XX/XX/XXXX AND THE ACCOUNT HAS BE CLOSED. I WAS JUST TURNED DOWN ON A NEW LOAN WITH MY OWN PERSONAL BANK BECAUSE OF THESE ITEMS AND MY CREDIT WAS XXXX POINTS SHY OF XXXX WHICH IS THE SCORE I NEEDED!!!! I AM GOING TO HIRE ATTORNEY-WORST CUSTOMER SERVICE EVER!!!!

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 2015-08-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
THIS COMPLAINT REPLACES Case number : XXXX : It appears that the credit bureaus are reporting inaccurate statuses for XXXX & XXXX XXXX XXXX tradelines. Never delinquent in 2008. Original creditor refused to remove this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number:XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. LVNV Funding, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive mailed XXXX letters requesting validation and proof that I have done business with this company XXXX XXXX XXXX. They have yet to provide any documentation. It is absurd that this company put a collection account on my credit file. I found that to be odd because for XXXX the credit bureau is to report nothing but accurate information about me. So how are XXXX XXXX XXXX supplying information to the credit bureaus about me when you could not provide me with validation. 

The company XXXX XXXX XXXX XXXX did not provide the requested documentation. I had requested proof that I signed any contract with this company that bounds me to them. They sent a generic document with my address and social security, NO signed contract! I also requested documentation showing how they calculated what they say I owe. Also, Copies of signed documentation show I agreed to pay what they say I owe. What kind of business dealing have I done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midlands Credit Management, is acting on a 3rd party which company is paid in full. They tried to take me to court and didn't happened but they put it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - contacted mortgage company to see why county taxes were not paid since they are escrowed, sent in tax bill XX/XX/XXXX - contacted mortgage company to follow up ; taxes were already a few months late and they had to " research the issue '' so I paid the XXXX taxes out of pocket and requested a refund from escrow ; sent email with receipt were I paid taxes XX/XX/XXXX - some email correspondence but nothing has been done XX/XX/XXXX - still nothing has been done with I sent the correct parcel number over to company, requested escrow analysis and I will have close to a {$3000.00} surplus after XXXX taxes and insurance have been paid ; talked to numerous reps and they run me around in circles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the first. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Majority of delinquent accounts occurred over 7 years ago. All current accounts are paid on time etc. I thought delinquent accounts stay on credit report for a maximum of 7 years. I am trying to be a first time home buyer and now have been on the job for 3 years and earn XXXX a year. I have almost XXXX in assets and ca n't get an FHA loan because my credit score is XXXX and not XXXX. I would like to use more colorful words to describe this, but I do n't want to offend anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XX/XX/XXXX while already entered into a payment agreement and making on time auto payments. Navient for some reason decided to cancel our agreement and then harassing us into agreeing to a new agreement at more than double the previous payment. When questioned about why our previous agreement was canceled they stated it was canceled in error and since that happened the could n't re-instate that agreement and we would have to new enter into a new one. They then stated that since we were paying our credits cards on time that we must have money to pay more. They stated that the co-signer must pay the part of the loan that the borrower could not afford to make. They insisted that since we had XXXX cars we could pay more to them. When asked to work out agreement to extend the term and lower the rate Navient refused to even submit an agreement for approval. After being routed around to over XXXX different reps and never getting the same reason or answer and being told that the only thing we could do and not hear from them again was to enter into a agreement with a payment XXXX the amount of the previous one. Now finally XX/XX/XXXX with an agreement in hand they called again to state that that agreement was denied by a supervisor and we would need another new now which could only be the much higher payment which out of frustration and harassment we agreed to. Now XX/XX/XXXX we get an email saying all our loans have been approved for forbearance at a cost of {$50.00} for each loan and interest will accrue. We never requested this and have no clue why we are being told this. We have never received any correspondence informing us of anything discussed on the phone or any changes they seem to be making without our consent or knowledge. We agreed to pay the higher payment with auto pay which they seem to take every month with no problem then call me and tell me Im delinquent on my payments but it comes out every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I spoke with a Citibank representative over the phone on Saturday XX/XX/2021, and explained that I had a check drawn off Citibank account and inquired on availability. I was told that funds we be available Tuesday Morning XXXX XXXX. I deposited the check on Saturday XX/XX/2021 and included a cash deposit. The available balance was {$340.00} which would cover any purchases. However on Tuesday XX/XX/2021 I received information that my account was overdrawn by {$160.00}. When I inquired that stated that it is their normal practice sometime to withdraw the available funds and place the entire deposit on hold again. However I was never notified of such hold and it is unclear how you can place a hold on cash. This is the 2nd time that this bank has done this to me and charged me {$34.00} for every transaction that has come through the account after they withdraw available funds. I have had consistent issue with this bank and although you have proof of their errors they still manage to charge you. I have a receipt to show proof of not only this deposit but where it shows the funds availability. This seems to be an ongoing problem with this bank with no notification provided to the consumer that they are removing available funds to place deposit on a hold.

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 2016-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted the dismissal with prejudice letter to all XXXX bureaus, and was told that XXXX XXXX XXXX still could legally report even though I am not liable for the debt.

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 2016-03-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 'm listed as XXXX XXXX with a XXXX Colorado address. 
1 ) I 'm not XXXX XXXX and not only have I never had a Colorado address I 've never been in the state of Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made several large purchases on my Chase credit card amounting to around XXXX dollars and then proceeded to pay off that balance from my checking account the following day. 

The payment was processed and it was reflected on my account, however, Chase will not release my credit even after the balance has been reduced to near zero even after one full week. 

This leaves me unable to use the card as I have near-zero available credit on the card even though I have fully paid off the balance. 

When I contacted Chase, they claimed that the payments were " floated ''. After multiple correspondences, they asked for proof from my checking account that the payments have been sent from my checking account. I proceeded to send them the transaction statements from my checking account, and then chase proceeded to ignore my communications. 

This should be straight forward, the money left my checking account, Chase has received the money, the money has cleared and posted the account and is accurately reflected in the balance, but somehow my credit limit does not reflect the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2017, I was contacted by NCB Management Service INC on behalf of XXXX XXXX XXXX, stating that I owe a balance of {$7800.00} which was later reported on my credit. I made a settlement arrangement with the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent a 609 letter to XXXX, XXXX and TransUnions on XX/XX/2021 to remove and verify some accounts that have been reported as late, that were never late on my part. I take pride in making sure my bills are paid on time. But They have been reported negatively and in turn put a financial strain on me an my family as we can not get approve for a car or house. I requested to have them take a look into this but have not complied with any proof and it has been over 30 days now. I sent a demand to comply letter aswell. My reason for this complaint is because the bureaus are not doing their job or anything about my report.

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 2015-07-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from Experian and XXXX. When I put a dispute in for Experian, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with Experian and XXXX. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XX/XX/2015, and the XXXX XXXX XXXX item was removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureause stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under : 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 explanation