BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Early Warning Services, LLC
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:
I recently disputed this fraudulent account with this company and they failed to provide the accuracy and completeness of the investigation by validating the 100 % correctness of the account. They stated it was verified with no facts or a method of verification behind it. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My son had several  Parent Plus Loans. I consolidated the loans when he graduated ( app rox {$100000.00} ) and the next thing I knew they were all completely under my name. I work for a  XXXX  ( c ) so I applied for the PSLF program and income contingent payment plan. In   XXXX  , I was diagnosed with   XXXX    XXXX   XXXX  and paid approx. {$12000.00} out of pocket. I went through  XXXX , several   XXXX   XXXX   XXXX   and multiple  XXXX . I had to take  FMLA fro m work but I never missed a student loan payment. I contacted Fed Loans and they told be to send an updated income contingent form with a copy of my medical bills so my monthly payments could be lowered. I got a response back that my monthly payments were going up. I only refiled the form because the rep at Fed Loans told me that is what I should do. My son graduated with honors from  XXXX   XXXX   (   XXXX  yrs ) from The   XXXX   XXXX   and currently holds  XXXX  part-time low paying jobs while he is in graduate school because his  XXXX   XXXX  did n't qualify him to do anything in the   XXXX   XXXX  . This loan has become a crushing burden that keeps me awake at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a XXXX/XXXX XXXX credit card. XX/XX/XXXX, I was informed that due to the disolution of their business relationship my card would no longer be valid starting XXXX XXXX. I proceeded to replace it with another XXXX XXXX card in XXXX XXXX and kept the previous one so I would not affect my credit score by canceling it. 
XX/XX/XXXX I received a letter in the mail from Citibank, stating that the XXXX/XXXX card is being replaced by a Citibank/XXXX card and that I would be receiving mine before XXXX. Since I had already replaced the credit card with another XXXX XXXX and have the number of cards I need and want, I called the XXXX-Citibank office immediately to let them know that I did not want to have the credit card sent. To my surprise, I was told that I could n't stop the process and that I will be receiving said card soon. Ever since then, I have contacted XXXX and Citibank both written and by phone, to no avail. I keep getting the same response, that regardless if I want it or not, I will still receive it because they have my information in their database already. Two weeks ago, I received another letter in the mail saying that my card will be on its way soon. 
I am frustrated and disgusted, to say the least, by the unethical way that these companies are conducting business. It can not be legal to force a customer to accept a credit card that has been expressly declined and I absolutely refuse to keep it. A credit card is a serious issue and canceling it, will affect my credit score. Citibank has failed to respond to my complaints and I need help stopping this process before I receive their credit card. Please let me know what I can do. This is a violation of my rights as a customer.

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 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America reported me to XXXX for fraud when I did not commit fraud. I told them I would pay fees I accumulated. But I told them I would n't pay for a bounce check wrote by client. that I deposited and recived no money from. And I asked them to remove the fraud from my name on XXXX. It is unfair to report me for fraud if I have not committed. I had been a long time client with them.

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 2021-06-18
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:
THE ACCOUNT NAMED " AFFIRM '' LISTED ON MY CREDIT IS A RESULT OF IDENTITY THEFT. I DID NOT OPEN THIS ACCOUNT OR DID NOT AUTHORIZED ANYONE TO OPEN THIS ACCOUNT. I HAVE MADE COMPLAINTS AND DISPUTES WITH AFFIRM AND THE BUREAU ( S ) ALREADY BUT I HAVE BEEN IGNORED OVER AND OVER. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY! I HAVE ATTACHED A COPY OF A ID THEFT AFFIDAVIT.

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 2021-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking at my TransUnion & XXXX credit report and noticed the following unauthorized inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX To XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Can you remove them from my credit report immediately

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 2021-06-18
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I was unaware of this debt and did not have the opportunity to dispute. Please provide Assignment of debt, validation of debt, and method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by 111 points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property noted to CITIMORTGAGE , INC . Via Certified Mail XXXX I requested that CITIMORTGAGE, INC. returns my property to me and they refused to do so. 
I sent this request on XXXX/XXXX/2016 and have yet to hear anything back. The Promissory Note belongs to me and at no time was this monetary instrument ever the property of CITIMORTGAGE , INC .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
This account is paid in full the balance is {$0.00}. It should be reflecting on ALL XXXX 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: Block, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX i deposited money. I requested to send a payment to friend for XXXX XXXX but an error occurred and said could not be completed at this time. Fine i would try later. However the XXXX $ wentkissing from my balance even though on my account history of activity no transaction exists to show that my money went anywhere, its just no longer included in my balance the XXXX XXXX I filed requests to chat they claim their recordshows the original payment i attenpted as confirmed and sent. I went to friend saw her history have images showing she has no account activity that added any money from any payment by me to her balance. She does not have my money, her balance proves that it then is missing XXXX $ they claim qas sent to her. But chat support refuses to admit even with proof.. that she diesnt have my XXXX XXXX Fine then i try dealing with them, i tell them no transaction exidys in my re ord. The fact they provide this record to me proves their system is having errors. I demand my money. A policy they have at end of all monthly statements statesthey will credit me my claim of missing amount so i can have access to my money while they investogate. They keep closing email cases opened with specialists, they trick tbeirsystem into allowing them to close out my cases by saying i havent responded in 3 dayys even though i did promptly reply to emails only sent to me that very day. Proof of that as well as prpof of history on both accounts involved and balances that prpve XXXX $ of mine is missing and nowhere to be accounyed for. Chats end abruptly they refuse to help called support hung up on like 3 times and emails get falsely closed by them reporting i didnt reply for 3 days when they just sent emailed that very day. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs 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 explanation
Consumer complaint received 2023-03-27
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:
This account is paid in full the balance is {$0.00}. It should be reflecting on ALL XXXX 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 2022-11-10
Company: Experian Information Solutions Inc.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance : -

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 2016-05-20
Company: CITIBANK, N.A.
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Overdraft, savings or rewards features

Complaint:
I purchased XXXX new tires from XXXX XX/XX/XXXX off of XXXX. There was a promotion where we would get an {$80.00} prepaid XXXX debit card as a result. 

We moved from XXXX to XXXX XX/XX/XXXX and had all of our mail forwarded. I called XXXX about the status of the debit card as we never received it. They had no idea where it was and ordered a new one from XXXX. We did n't get this new debit card until the XX/XX/XXXX. 

We went to use the debit card XX/XX/XXXX and realized that the funds had been removed as of XXXX XXXX, XXXX. I called up XXXX who tried to have the funds re-instituted but were not able to. 
They directed me to call XXXX. 

I ended up going through a few people and ended up with XXXX XXXX from XXXX on XXXX XXXX. I alerted her to this website ; that the funds on these prepaid debit cards do not expire so quickly. XXXX She said she would look into it but never called me back. I finally got through with her today and she alerted me that upper management reviewed the case and nothing could be done about an expired debit card which only expired because it was delayed in being delivered to us and had a ridiculously short expiration date ( 90-120 days from issuance ). I asked if she enjoyed someone reaching into her pocket and stealing {$80.00}. She only responded that this promotional card was NOT a debit card despite it saying DEBIT on the card and issued by XXXX. 

This tactic is deliberately done by these companies to XXXX consumers : put an extremely limited time to use the card and steal the money back with no recourse. I have never seen a promotional card which had to be used so suddenly or we would have to relinquish our funds.

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 2022-11-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an account at XXXX XXXX XXXX on XX/XX/22, I received notification that they could not open an account for me due to a Chexsystems report. I pulled my consumer report from this company on XX/XX/22 through the website of Chexsystems  under consumer ID XXXX. It clearly states under reported information " No Information Found ''. Therefore, what negative information from Chexsystems prevented me from opening an account at the aforementioned business?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I recently disputed this fraudulent account with this company and they failed to provide the accuracy and completeness of the investigation by validating the 100 % correctness of the account. All is being investigated by the ftc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deemed totally XXXX. This account is not reporting correctly The balance should be XXXX not 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 non-monetary relief
Consumer complaint received 2015-11-05
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX 2015, I received a bill in the mail from Macy 's for XXXX charges that I did not make on XXXX/XXXX/15. Immediately upon receiving the bill, I contacted Macy 's and informed them. They stated that they need to conduct a fraud case and that they will send a letter to me in the mail to document in writing what I told them. I repeatedly called Macy 's every week, as I did not receive this letter in the mail until XXXX. While waiting for this letter to arrive, I received XXXX calls on a daily basis from another agency ( not Macy 's ) asking for me to pay this Macy 's debt, upon which I would tell them that the bill was fraudulent and currently being investigated. Other times upon answering these phone calls, the person on the other end would hang up the phone. I felt harassed and not respected every time I received these calls. I asked Macy 's to stop trying to collect on this bill that I did n't make. They continue to send me statements in the mail and to not process this letter that I returned the very next day upon receipt 3 months after notifying them about the fraud. I have never heard of this process taking this long for wrongful charges and have been extremely stressed about their process. I always pay my bills on time and tried to take immediate action, but they have an ineffective process and is one of the most stressful things I have encountered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the beginning of the year, every single mortgage payment weve tried to make to Bank of America has been misapplied as principle curtailment. According to XXXX from payment research, Bank of America has a new system. Lets assume youve made your XXXX payment on XXXX. Your next payment is due XXXX. If you try to make your XXXX payment prior to XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, depending on the month, Bank of Americas system will not credit your XXXX payment ; rather it will automatically post it as principle curtailment, regardless of the directions enclosed with the payment ( either on the check or online ). Once the payment is misapplied, it takes Bank of America weeks to correct their mistake ( current wait time for payment received XX/XX/XXXX for payment due XXXX to be applied to XXXX payment is XXXX ). Assuming that what XXXX said was correct ( that the new system will only apply a payment beginning on the XXXX, XXXX or XXXX of the month for a payment due the first of the following month ), we effectively have a one week window during which we can successfully pay our mortgage by the due date. In the past, we could pay our mortgage up to 60 days in advance of our due date. As of this year, we have contacted Bank of America every month for six months to attempt to resolve this ongoing problem with their new system with no resolution in sight.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - ; XXXX HOME XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX  XXXX XXXX : - ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been locked out of my account after I initiated a transfer from my Account at Marcus to an external account. They are not allowing me access to my funds.

Company response to consumer: Closed with explanation