BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I initiated a 0 % APR balance transfer to my Citibank credit card. This included a 3 % fee on the balance transfer. As part of the promotion, I was told that I would not pay any interest on the balance transfer until XXXX 2018. What was not clear is that since I would be carrying a balance on my account, any additional charges ( ie, standard purchases ) would incur interest charges even if I paid the new standard charges in full. So for example, if I had a {$6000.00} balance transfer charge on my account and accrued additional charges of {$500.00} at a local retailer that month, despite the fact that I might make a payment of {$2000.00} when my next monthly payment is made, I 'm still charged interest despite the fact that my {$2000.00} paid for all the new standard charges and a big portion of my balance transfer. The fact that I would be charged interest on standard purchases ( despite paying them in full ) was not well explained in the marketing. When I called Citibank to complain this morning, I was told, " most people initiative a balance transfer and then do n't make any additional charges on that card so that they do n't get stuck in the cycle you are now in where you 'll need to pay interest every month until the account is paid in full. '' She was unable to do anything to help. Very deceptive.

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 2017-07-22
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: Public record information inaccurate

Complaint:
IRS withdrew my tax lien and the CRA are refusing to remove from my credit 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 non-monetary relief
Consumer complaint received 2022-01-29
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicer received payment of {$1700.00} on XXXX. Check was deposited the same day. Servicer has yet to apply payment to account via conversation with customer service and online account. Borrower is concerned that servicer will still report payment as over 30 days late and will ultimately hurt borrowers credit score even though payment was made within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied Chase Saphhire preferred and was denied because Chase 's system has a glitch in which it thinks I already have that card when I have already closed the card more than 48 months ago. 

This is a system issue I have with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: DE
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:
This is a complaint against timeshare XXXX XXXX. The people that I remember dealing with or were involved with this were XXXX XXXX & XXXX XXXX. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up, and even said it can go up {$29000.00}. We were alsotold that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for me but we were never properly educated of the fees involved. Everything was rushed especially when they didn't even gave us enough time to read through the contract and understand it's contents so we can be fully aware of the details of the agreement. They have our ID during this process. They offered us gift vouchers. We weren't properly informed how to cancel. We didn't even know how many days to cancel. I was XXXX and my wife was XXXX y/o at the time and we feel like our ages were taken advantage of. We have medical conditions such as XXXX, XXXX problems, XXXX  XXXX  etc & having this timeshare just doesnt help, it just gives us financial difficulties. Plus, they will keep on calling everyday. Having this timeshare just causes us stress plus the current problems and issuses we have due to XXXX. Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Information belongs to someone else

Complaint:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2022-06-15
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX XX/XX/2021 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX 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.

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 2022-06-15
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX  XX/XX/2021 NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # XXXX 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.

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 2022-01-29
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reference account # XXXX. 

Loan obtained a few years ago. Was in good standing until I lost my job. I am now unemployed and the loan Has insurance protection if loss of employment should occur. The company one main would not work with me and I am not able to make any sort of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a used vehicle for sale. I explained my financial situation and credit issues with my sales agent. He went to his manager. He then asked if his manager could " pull my credit ''. I said the manager could. I was denied a loan due to my credit report. Later, I found that XXXX has " shopped me around '' to several lenders without my verbal or written consent and worse, without my knowledge at all. This has impacted my credit terribly and has resulted in reduced credit rating, denials, higher interest, higher premiums, etc. XXXX has no permission to do such a thing. I contacted the XXXX  about this and XXXX lied and was indifferent about what they had done to me. This can not be legal. XXXX   should NEVER be allowed to shop a customer around and have several lenders pull HARD INQUIRIES on an unsuspecting customer. Can you help me with 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 2022-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681section 602 A. States i have rights 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
Consumer complaint received 2020-01-09
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company - XXXX XXXX/XXXX XXXX XXXX - original acct # XXXX was paid by auto payment. XXXX XXXX switched to a new acct # XXXX and billed for the same thing again - double billing. I called XXXX XXXX on XXXX at XXXX and spoke to XXXX who said she could not assist that I had to call XXXX. So, at XXXX I was speaking to XXXX who was finally able to speak with me AFTER a passcode was created. She advised about an early cancellation fee that I finally agreed to after you refused to waive even though it was because of death ( thank you so much for your consideration by the way ). She removed auto-pay and said they would bill for {$150.00} after XXXX minutes on the phone ( order # XXXX ). Another call at XXXX on XXXX, XXXX states the account is still active and open so he transferred to the cancellation department from which I was disconnected after XXXX mins. XXXX, I was speaking to XXXX after being on hold for XXXX mins. He said to disregard the bill that he spoke with XXXX and I owe nothing. XX/XX/XXXX, direct chat with XXXX XXXX and XXXX XXXX, XXXX states that he would fix. 

XXXX XXXX then sent me to collections with Credence Resource Management. Credence NEVER contacted me that I was no in collections - I only found out because of an alert. I sent them proof that I did not owe. They in turn did nothing but send to XXXX XXXX who stated it was owed. Credence then reported me to XXXX XXXX. I sent them proof that the debt was not owed and all they did was send the dispute to Credence who stated it was owed. Neither Credence nor XXXX  did due diligence in this problem. I did speak to an attorney who didn't recommend paying but I was concerned they would start hounding me through work so I paid. I have waited patiently for both to do the right thing and both refuse. 

On the documents that I have attached, you will see they auto deducted and then billed again. When they created the new account #, they changed the billing months by a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an email at my place of employment from XXXX stating I owed over XXXX dollars for a credit card from 2006. I do not owe anything. This debt was paid through a debt consolidation company over 15 years ago!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice of debt collection by a company named XXXX XXXX in the amount of {$2800.00} owed to Wells Fargo Bank. I contacted Wells Fargo Bank to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.

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 2015-08-10
Company: AES/PHEAA
State: MD
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:
I have a private student loaned serviced by the American Education Services ( AES ). Although this company has my most current contact information, they have been calling my references and discussing my student loan information with them. Specifically, they have harassed my father and disclosed information about my loan, even though he is not a signer on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was consignor on a vehicle lease. XX/XX/XXXX financial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted XXXX financial several times to get specifics, ie date received and amount to compare to the XXXX on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that.XX/XX/XXXX financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than 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 2020-01-09
Company: Experian Information Solutions Inc.
State: PA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2017-07-20
Company: Navient Solutions, LLC.
State: WA
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:
Three years ago I started a consolidation with Navient. I was struggling financially at the time. Navient led me to believe that my loans were deferred and that interest was not accumulating. My {$14000.00} loan quickly became {$37000.00}. I did n't find out until 2 years later that I had a problem. When I asked Navient to explain I got a lot of legal mumbo speak that I did n't understand clearly. I have never clearly understood what happened. What I was led to believe was NOT what happened! It is a strain on my family. I have since re-consolidated with another company trying to take the student loans away from Navient. There seems to be a problem. It 's like Navient does n't want to let go of them. How can I move on and get this mess straightened out? My credit score has taken a HUGE hit. I ca n't rent or buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was consignor on a vehicle lease.XX/XX/XXXXfinancial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted XXXX financial several times to get specifics, ie date received and amount to compare to the XXXX on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that. XX/XX/XXXX financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-07-20
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
PNC bank changed the terms required to eliminate fees in their checking account. They did this with a one month notice and only notified with a small section in the monthly statement. I rarely use the account and do n't typically look at the statements as I monitor transactions on a more frequent basis on the website. Hence, I was unaware of the change. I was charged a monthly service fee since I was unaware of the change. Although I called to understand the change in terms and was refunded the fee, it 's still poor performance by PNC to change the terms in such a discrete manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, 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:
Today XX/XX/2020 I received a copy of my equifax credit report from my dispute. I am uploading the incorrect information. First off this account has monthly payments each month. It is showing an empty box of no payment last received. 2nd issue isnt the last payment was not on XXXX I make payments every month. Next my balance is not {$4700.00} it is less than that.

Company response to consumer: Closed with explanation