BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I called to obtain available retention offers for my Citi AAdvantage credit card and the representative inadvertently closed my account. She misheard my request to listen to retention offers as an authorization to close my account. She did not ask for confirmation to close my account and admitted fault after submitting the closing request. 

Representative name : XXXX XXXX tracking number : 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 2019-08-02
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX   account number XXXX. ( Please see page 7 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: MA
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:
EXPERIAN is not correcting a dispute with XXXX. 
I can not get through to EXPERIAN on either its web site or by telephone. 

I terminated services with XXXX several years ago. 
I owed a balance of {$200.00}. I began paying XXXX {$10.00} per month. 
I confirmed with XXXX customer service and its financial departments that this plan to pay {$10.00} per moth was acceptable. 

I initiated Internet services with XXXX. A person in finance at XXXX told me I could not begin Inter net services until by balance was paid. I was told I had a balance of approximately {$45.00} dollars. 

I had tried to call the supposed collection agency that XXXX had referred ny account to and learned that they did not accept money for account balances and it appears to be a ghost or shadow XXXX operation that did nothing more than provide a means for XXXX to refer accounts so they could say amounts due were referred to a collection agency. 

I paid the {$45.00} and I am now an Internet customer of XXXX. Now EXPERIAN has impacted my FICO score by over 100 points downward. This all appears to be racially motivated and profiling of a XXXX  as well as age discrimination on the part of XXXX and EXPERIAN combined.

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 2018-05-14
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the balance $ XXXX.then I received a statement with late charge and other fees. ( money was withdrawn on XX/XX/18. I was told if I pay one time late fee they waive other charges which I did. Now they want to pay another late fee to waive other charges. I don't trust them anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX obtained my consumer credit report on XX/XX/2022 without my consent from Experian with no lawful good reason. I do not do business with them and never attempted to. This violates my privacy rights and is of grave concern to me since I continue to be a victim of identity theft and Experian has neglected to remove fraudulently and inaccurate reporting from my consumer report. I have also been denied for credit products recently due to these fraudulent items. I have called and sent a letter asking for this to be rectified and I have been ignored. 15 USC 1681 4 and 15 USC 1681 4 VIOLATIONS DO NOT TRY TO SAY THIS SI N'T ME AS A STALL TACTIC. I HAVE INCLUDED MY IDENTIFICATION!

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 2017-09-02
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( XXXX XXXX XXXX, XXXX ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea,  but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

Blitt and Gaines/Attorney at Law XXXX XXXX XXXX XXXX, IL. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On 3 Occasion I asked Equifax and XXXX to verify 3 debts on my report. The first was on XX/XX/XXXX, the next one was on XX/XX/XXXX and the 3rd was on XX/XX/XXXX. I am sending one last request, as none of these requests resulted in showing me proof that any of the 3 debts are actually mine. They never even responded by mail to let me know what the status of these debts are. I am prepared to seek civil remedy, but as part of my case am filing this complaint for the record. I will be attaching my last and final request, and this will list the debts that I am trying to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NY
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 have asked the credit bureau to do a thural investigation to verify everything on my credit report and they did. It's stated that everything is accurate which that statement is wrong. I did my own investigating and found numerous inconsistencies on my credit report even after they did their 's. 

Account name : XXXX XXXX XXXX XXXX In accordance with the Fair Credit reporting Act. 
XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 SECTION 602 A states I have a right to privacy 15 U.S.C 1681 SECTION 604 A states a consumer reporting agency can not publish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I 've called Flagstar Banks home office several times & they will not change the report. They forclosed on my home in Michigan, since that time I 've been working on my credit. I have a good score to get another home. PROBLEM is now they are still say'ing I owe them for the home, even though your office is sending money from them. My closing date is in 20 days. What can I do?? 
XXXX 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 2017-09-02
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:
I have disputed the reporting of XXXX XXXX XXXX on my TransUnion credit report. It is being reported as " Charged Off ''. It was included in my Discharged Chapter XXXX, dated XX/XX/XXXX, case # XXXX My last dispute was in 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 2022-08-25
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX  XXXX XXXX*Balance : {$0.00} XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: MARINER FINANCE, LLC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In regards to Collections Efforts, Mariner Finance continues to call my parents residence although they have been informed numerous times that is not my phone number and that they are not to call that number.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: IL
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 SUBMITTED THIS COMPLAINT BEFORE, AND RECENTLY. THIS ISSUE HAS NOT BEEN RESOLVED AND CONTINUES TO PERSIST. 

Experian Credit Bureau has deleted the entire payment history for the current and open Tradeline know as : XXXX XXXX. 

This is a positive and current reporting Tradeline. Experian has in the last 3 days or so, DELETED the entire history of the XXXX XXXX  account. 

On my Experian Credit Report, this Tradeline shows a partially DELETED ACCOUNT NUMBER, NO HIGH CREDIT, NO CREDIT LIMIT, and an UNKNOWN PAYMENT STATUS. There is also NO DATE OF LAST PAYMENT. 

XXXX XXXX is REPORTING THE INFORMATION CORRECTLY TO EXPERIAN. I believe that Experian is illegally and purposely deleting my XXXX XXXX  Credit Card information in an attempt to harass me and to purposely create hardship for me when I attempt to obtain credit, housing or employment.

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 2016-04-04
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my debit card information was stolen and someone racked up about {$2000.00} worth of charges on MY CITIBANK checking account. when I went into the bank and explained my situation to the banker they told me they would investigate and my money would be refunded within 7 to 10 days. I went back to the bank weeks later and still no refund. I spoke with a representative from Citibank and she told me they sent me a letter in the mail that I never received that stated they were denying my claim and were n't going to refund my money to my account because it appears i racked up charges myself, she told me I needed to file a Police report and there 's nothing she can do. So I filed my Police report like she told me with an officer named XXXX, XXXX. in his report he states that he received survailance from one of the ATM 'S i had claimed to never been to before and found that somebody else was in fact at the ATM using my information. I went back to CITIBANK to submit the police report. the woman helping me told me that while they were investigating again the would send me " provisions ''. I never received any provisions. and on XX/XX/XXXX CITIBANK sent me XXXX letter in the mail stating they were deny my claim again. Im running out of options I hope your company can get me my hard earned much needed funds back. 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 2018-05-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Over the past year Ive been struggling to make payments of XXXX per month. They keep making me do a forbearance and only offer me intrest only payments which are just a few dollars less than the actual payment. Then they told me I will no longer be able to be in deferment while in school come XX/XX/2018. So regardless of if I am in school I still have to pay this plus what I am paying the school I am attending. In addition, they keep increasing my interest rate!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NJ
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 regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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:
CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX  XXXX AMOUNT : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$4800.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : FNB OMAHA AMOUNT : {$20000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : 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 2018-06-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have Equifax, XXXX and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I use to think they credit bureaus at least followed the the laws set by the fair credit reporting act, but I guess not. No one can be that negligent, to forget to remove the XXXX XXXX XXXX Account. I think is illegal actively, as many times as Equifax does this to me. I have to watch my credit report like a hawk, because they make mistake after mistake or is it a mistake. I hope I do n't have to go through another 45 day investigation again, they should just look at my evidence and realize it was a " mistake ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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 have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with XXXX XXXX XXXX XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called XXXX customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted XXXX XXXX XXXX XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have identified information in my consumer credit report/ file that is a result of identity theft. These items are not related to any consumer transaction completed or initiated by me the consumer. Please have them removed 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