BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a debt on my credit report from Citibank. After attempts to dispute it with them for many years, I gave up. CITIBANK then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. CITIBANK also sent it XXXX months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, XXXX  is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also XXXX years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " CITIBANK verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if CITIBANK is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that CITIBANK is not honoring it , as i no longer have any responsibility for the amount owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Franklin Collection Service, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid a old medical bill that had went to collections that my XXXX old daughter had got without my knowledge. By her being XXXX they said I was responsible for debt. Franklin Collection Service said they would have it REMOVED from my credit once I paid the {$1100.00} off. Its still showing on my XXXX credit report even after I filled a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my first home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-03-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EXPERIAN is reporting inaccurate information on my consumer report in regards to XXXX. According to the FCRA if the information being reported isn't 100 % accurate then it must permanently be removed from my consumer report. Pursuant 15 USC 1681e ( b ) it is the responsibility of EXPERIAN to report completly accurate information on my consumer report. If the information is disputed by the consumer is proven to be inaccurate then the account must be removed immediately. XXXX is reporting it as a charge off and EXPERIAN is reporting it as a collection account. This is not consistent and accurate reporting, therefore EXPERIAN is breaking the law by reporting the account on my consumer 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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I send a dispute letter and a CFPB complaining about a 30-day late payment reporting on my credit report by XXXX XXXX  XXXX on XX/XX/2022 I send the proof of I make the payments on time, and yet they still reporting wrong on my credit report. I also ask for de independent investigation methods they use and they only use the information the creditor shows violating my right. Please take action on this mater.

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 2016-04-18
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
In XXXX I signed up to attend University XXXX XXXX XXXX. I placed a loan for XXXX. Unfortunately due to unforeseen circumstances, I had to withdraw. I was told that if I withdrew before the time frame, I would not owe the grant I received ( I already knew I was going to have to pay back the XXXX ) in XXXX, I received a phone call from a lady telling me she worked with XXXX XXXX and she was calling in reference to my accounts. I told her I only had XXXX account and she proceeded to tell me " no you just must not remember but you have XXXX. '' I know what I had since I did n't attend long. She kept telling me that I had to consolidate and there was nothing else we could do. I kept telling her that i did n't want to consolidate as i only had the XXXX loan. She repeatedly kept pushing me telling me that this was the only option otherwise they were going to take my taxes for a very long time. Finally i agreed to consolidate. She told me i had to send a certain amount of payments and then before i send anything else after those payments, wait for my coupon book to arrive. The coupon book never arrived and XX/XX/XXXX, my taxes were taken in the amount of XXXX. I am a mom of XXXX and live paycheck to paycheck as it is. I know that i did not have XXXX loans from XXXX XXXX. Now that they have changed their name, they are again telling me i had another loan " I must have forgotten about '' how are they able to do this????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: NJ
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-03-20
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a Coinbase account that was compromised beyond my control. My account was inaccessible on or about XX/XX/XXXX and allegedly hacked on XX/XX/XXXX XXXX XXXX pst. My devices and accounts show no sign of being tampered with. My phone carrier checked my device and confirmed that the Sim card was never ported to a new device. My email has been protected with XXXXXXXX XXXX  Account XXXX since XX/XX/XXXX according to my activity log and shows no suspicious 3rd party activity. Furthermore My email account was blocking all messages from Coinbase so it would of never received a " hyperlink '' to make any changes with my Coinbase account.

When my Coinbase was recovered it shows that I lost approximately XXXX Shib Inu coin.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America charged me {$640.00} for cutting my grass. Bank of America has never cut my grass. I called Bank of America and was told that the {$640.00} that I was charged would be refunded to me, this was 3 months ago and I still have not received a check from Bank of America. Here are the dates that I was charged for cutting the grass which NEVER happened from internal Bank of America 's documents:XX/XX/XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$80.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XXXX : XXXX University, XXXX, NC. 
XXXX XXXX gave me a predictably uncollectible loans at the age of XXXX. I had no credit history to speak of, no collateral, and XXXX of debt was taken out in my name - without my consent over the years XX/XX/XXXX-XX/XX/XXXX. I no longer can pay. XXXX calls me multiple times a day and they just called the crisis line at my work which i happened to be on to receive their call. This constitutes calling a third party line as it was just by chance I was working the crisis line. My coworkers often are staffed on this line and if they continue to call they will be contacting my coworkers about me. They also did not obtain this crisis line number from me. It is also highly inappropriate to call a crisis line used for mental health emergencies to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: AMERICAN EXPRESS COMPANY
State: UT
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 was scammed by a company out of the USA.

I disputed the charge with American Express and the did NOT properly investigate the fraud.

American Express actually is frauding me the consumer! Attached evidence will prove the fact that American Express did not actually investigate anything they are OK with taking money from XXXX veterans. American Express should change their name because theyre XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: TX
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 have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX They all.need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient is calling my present and former place of work in regards to m debt. When i asked the representative what was discussed with my former and present employer she would n't go in to details about it just that they are verifying information. However, that is not the case. She threatened to hang up on me. Navient is calling obsessively 5 or more times a day. It 's harassment!! 



Navient representative below ( called occurred XX/XX/XXXX, at or around XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
My Complaint is regarding XXXX  XXXX XXXX  with whom i have had a Credit Card Account with for the past since XX/XX/XXXX. This account is still current and active. In XX/XX/XXXX they reported me 30 days late, i found this out in XX/XX/XXXX, i reached out to the bank and the issue was resolved and the late report taken off my credit report. I just found out that XXXX XXXX Bank later switched the XX/XX/XXXX report to 30 days late again. This is grossly unfair as this had been previously resolved, this is now dragging down my credit score. 


Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$690.00} {$950.00} Payment Info Status Current,  was past due 30 days Updated on XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$35.00} Late payments XX/XX/XXXX You've made 98 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late Data Unavailable

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 2022-03-20
Company: Experian Information Solutions Inc.
State: CO
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 an account without my written instructions and also the creditors reported inaccurate financial information about 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 2020-04-20
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
DUE= {$310.00} owe ( 30 days past due ). My lease was due XX/XX/XXXX but dealers were closed so I didn't have a place to hand back my car. 

ACTIONS= 1. I was told to drop it off at any dealers. But all the dealers shut down their business due to the pandemic around end of XXXX XXXX I am in California ) 2. I was told to hold onto the car and " no additional charges would I apply '' since no dealers were opened. I have proofs of the texts that I sent to GM. 
3. I got call from GM in XXXX that I was " late '' and past 30 days due date. 
4. I called them, texted them on my dashboard app and texted them on my car. It was extremely difficult to get a hold of anyone. Finally, after 4 attempts, I got thru to someone today. I was transferred 4 times, spoke to 4 sales reps -- all denied that anyone said this to me. The 5th sales rep finally gave me a GM email so I can show them my texts and I will. 

I need help to handle with GM Financials. It is illegal what they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2015 sent husband to cash income tax check. I was not present, so I signed and gave my husband my Drivers ' License. Check could not be cash because I was n't present, but could be deposit in the account and money available the next day. I felt the bank did not give my husband a good understanding about what would happen to our income tax check, and made him feel the check would need to be deposit in order to get the money. I also went to the bank after work and to find out what happen to the money to pay our bills at that moment. The bank told me there is nothing they can do, XXXX pick the check up at noon, and they do not have the check in front of them.The bank policy is to take your money, but have restrictions on how they disburse your money.I do n't have to be present to deposit the money, but present when they cash the tax check, and there are no documentation, or check scan on computer proof of check deposit.I feel I have been lied to and inconvenience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, approximately around XXXX XXXX, I was talking to the doctor at work over the phone when all of a sudden, line got disconnected, I have no signal at all. I was under a family plan through XXXX but when I asked my mom, my dad and my brother, all their phones were working except mine. My brother called XXXX to let them know the situation. After about 40 mins, my connection came back and I was able to continue using my phone. Around XXXX XXXX  when my brother asked me to send him money through XXXX however I could not access my Citi mobile app at that time, for some reasons, it's not accepting my password. Around XXXXXXXX XXXX, I received an email from Citibank stated that a wire transfer was completed amounting to XXXX usd. I reported this to Citibank immediately the next day and I reported this to the police. As I continue to review/check my phone, theres also a charge in my XXXX credit card amounting to XXXX usd. I also found out that theres XXXX usd charge in my account that was sent to someone named XXXX XXXX whos also a Citibank client. Citibank kept on closing the case for XXXX charge in my account via XXXX without reaching out to me or even asking me for additional information that they need from 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 monetary relief
Consumer complaint received 2022-03-20
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:
I have been battling Experian for months regarding an obvious error on my report that they simply reply to as " Verified ''. They are reporting that I have two auto loans with XXXX XXXX  which is false. There are even two separate account numbers for each of the alleged accounts. Pursuant to 15 USC 1681 s-2 ( a ) Furnishers have the responsibility to provide accurate information. They have been made aware of this error and yet continue to report false information.

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 2022-12-15
Company: EQUIFAX, INC.
State: NV
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$660.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation