BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to Experian to discuss a few things on my consumer report While speaking with the agent she assisted me with disputes for XXXX XXXX & rXXXX XXXX XXXX to my acknowledgment the agent knew exactly what companies I was filing disputes the agent understood what companies I wanted removed off of my credit report unfortunately the agent took it upon herself to remove my consumer details with an account that was at a good standing which didnt make any sense at all the next day after speaking with the agent Ive gotten multiple alerts about my credit score decreasing now its really strange that the original disputes Ive submitted not action took place on either account so I am very confused on her action after recognizing what took place I tried to reach out to Experian & could not get anyone to assist I was transferred from agent to agent & no one could explained the action of the previous agent when requesting to speak with an agent supervisor o was put on hold excessively long periods of time & never gotten a chance to speak with the manager this matter has become very frustrating & I just need Experian to explain to me the actions taken on the account & removed what was requested in the initial dispute request!

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 2015-10-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm currently upside down by XXXX-XXXX and unable to refinance and as of XX/XX/XXXX my mortgage payment will increase from XXXX to XXXX. Due to interest rate increase. I applied for a home modification or rate modification with my mortgage bank and they denied me. They stated that I should be able to make the new monthly payments based upon income and that they could not adjust my mortgage balance so that I could refinance. How can someone that 's living paycheck to paycheck take a major mortgage increase like that with no assistance options. I was told by chase to sale the home or give it back. I have never been late with my payments. I 'm just a single man struggling to keep a roof over me and my XXXX parent head. It 's sad that they want to throw us out into the street. Unfortunately I 'm in a area that has not recovered form the XX/XX/XXXX housing boom. I 'm still under water with no hope in sight due to the decline of the area. We the tax payers bail the BIG banks out all the time and it 's sad that they ca n't show a little compassion for the tax payers in their time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Can not regularly log into my account without excessive third party verification prompts. Monthly fee charged irrespective of maintaining balance requirement to maintain the charge on two accounts. Prior to that minimum amount of direct deposited fee was not disclosed when it was changed and waiver of monthly fee for months when charges should have not been waived were not respected. Reported that bill payments were being cancelled without my authorization in past months. On site support mirrored phone support in which they are a face to look at while speaking and the phone support is a phone that you can talk into but nothing gets done to resolve the issue.

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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have complained several times about transunions credit scoring on my report apparently nothing is going to change, every time i pay down my bills my score drops instead of going up. my score drops more than any consumer i know. CFPB is doing nothing to help me with this problem and the company response is not legal. im ready to sue whoever is involved.

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 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.

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 2022-01-30
Company: Receivables Management Partners, LLC
State: NC
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:
The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also RMP Services LLC and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for XXXX XXXX  to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a XXXX release form with RMP Services LLC nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. XXXX laws protect my personal medical information from being used without my personal consent and they are now very much aware of these XXXX violations, delete immediately. 

4 collection accounts Total balance : {$2400.00} RMP SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Resurgent Capital Services L.P.
State: NC
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:
The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also XXXX XXXX XXXX and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a Hippa release form with XXXX XXXX XXXX nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and they are now very much aware of these Hippa violations, delete immediately.

4 collection accounts Total balance : {$2400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX. this information is not accrete please take this out from my Credit Score ASAP Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Company has n't deleted item after I provided proof.

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 2016-05-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I was told to change my credit card number since I could not get the phone number for XXXX. I changed credit card numbers and Wells Fargo still let the charge go through. The charge was {$19.00}

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 2016-01-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
DEAR CFPB, I RECENTLY CHECKED MY CREDIT REPORT WITH EXPERIAN.COM, IT WAS GIVEN TO ME FOR FREE AS A RESULT OF A DENIAL BY XXXX XXXX FOR XXXX OF THEIR CARDS OFFERD TO ME BY MAIL. EVERYTHING ONE MYREPORT WAS CORRECT, UNTIL I SAW A SPECIAL MESSAGE MARKED SO I CLICKED OPEN AND TO MY AMAZEMENT THERE WAS SOMETHING METIONED ABOUT MY HAVING XXXX OR XXXX, THIS IS IN DIRECT VIOLATION OF DOCTOR PATIENT PRIVLAGE AS WELL AS A NEW YORK STATE LAW THAT STATES XXXX FACILITIES CAN NOT DISCLOSE THIS INFORMATION ABOUT APERSONS XXXX TO JUST ANY ONE.I HAVE BEEN XXXX FLR SENERAL YEARS AND RECENTLY BEEN DIAGNOSED WITH XXXX. I AM HAVING FINANCIAL PROBLEMS DUE TO THESE ILLNESSES. AND AFTER MEDICARE AND SOME HELP FOR MEDICATIONS BY THE XXXX, AND THE XXXX THESE HELP [ WITH XXXX AND XXXX INJECTIONS ONLY NO OTHER SERVICES SUCH AS MY MEDICARE COPAYS.NOW IAM CURRENTLY WAITING FOR AN APPROVEL FOR A XXXX TO SEE THE RESULTS OF THE XXXX XXXX? PLEASE NOTE I WAS DIAGNOSED XXXX MONTHS AGO AND HAVE NOT YET BEEN XXXX.I AM OUTRAGED THAT A THIRD XXXX XXXX HAS TO WORRY ABOUT CONTINUED TREATMENT FOR A XXXX ILLNESS AND THAT THESE ITEMS ARE ON MY EXPERIAN CREDIT REPORT.AND THE HOSPITAL WHERE MY XXXX TREATMENT IS BEING DONE SAID THAT THEY HAD TO CHECK TO SEE HOW MUCH MY MEDICARE A & B WILL PAY FOR THIS XXXX UNDOUDBTEDBLY WILL CHECK WITH EXPERIAN THIS IS XXXX SHAME IN THIS COUNTRY. I WANT ACTION NOW WE WHO ARE ILL NEED PROPER HEALTH CARE NOT SICK TILL WE DIE CARE BECAUSE OR CREDIT REPORTS AND OUR COUNTRIES SO CALLED BOLONEY HEALTH SERVICES PLKEASE GET BACK TO ME ASAP I WANT MORE TIME IN THIS LIFE AND I DESERVE IT XXXX IT!!!!!!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: Nelnet, Inc.
State: OH
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:
For the greater part of the last year I've disputed several accounts on my consumer file with both the alleged creditor and with XXXX  directly. The dates are as of said disputes are as follows : XX/XX/XXXX, XX/XX/XXXX ( no response ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The accounts in question : US Department of Education/Nelnet XXXX  continues to either ignore my request and/or update the account incorrectly. Today, XX/XX/XXXX, I spoke with an XXXX  representative in regards to these accounts. The accounts are reporting CLOSED, as of XXXX. The rep advised the account also has late pays reporting as recent as XX/XX/XXXX. Myself and the rep agreed that there can not be new late payments on a CLOSED account with a {$0.00} balance. I requested the accounts be removed, the rep declined, stating she doesn't have the ability to do that and suggested I file a dispute. I requested to speak with a manager, because I'm not confident XXXX  is doing their due diligence in investigating this matter. The rep advised they only receive electronic requests and do not verify the information upon submission. I explained how this is problematic for me, since the recent late pays are impugning on my reputation and has a direct correlation to my credit worthiness. After holding for about five minutes, awaiting a supervisorthe rep disconnected the call. 

I demand the listed accounts be removed or I will have to seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: ACIMA CREDIT, 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: Problem with personal statement of dispute

Complaint:
I am aware of my rights that have been violated by these financial institutions and 3rd pay debt collectors. I want my consumer report and FILE. there is a difference between both. In pursuant to 15 USC 1692C ( C ) Ceast and disist. I am the only true original creditor as well as these companies are portraying to be so, in pursuant to 15 usc 1692g iu want you to provide all that is required and if you can not which I know you can not because in TILA 15 USC 1602 I understand the definition of a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I want to send a serious complain about the terrible & not trust worthy practice Citibank is doing for their CitiGold checking account. I got invitation to open a CitiGold Checking account to open a CitiGold checking account for a XXXX XXXX XXXX miles promotion by meeting couple usage requirements, I got confirmation on XXXX/XXXX/16 ( see below ) that I met the CitiGold XXXX bonus miles promotion and meet the usage requirement and I will get my XXXX XXXX miles before XXXX/XXXX/16. 

I never got a bonus XXXX miles till today XXXX/XXXX/16 and I heard so many terrible complaints through XXXX search that Citi XXXX up and will not honor their XXXX bonus miles promise. 

I am request CFPB to step in to help me to resolve this False Citigold Checking promotion and get my XXXX miles credit ASAP. 

Thanks so much to protect consumer like me XXXX XXXX XXXX Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/2016 Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold Online Messaging Services. My name is XXXX and I will be more than happy to assist you with the XXXX XXXX miles promotion for checking account ending in XXXX. 

Our records confirm you met all requirements for promotion code XXXX. 

The XXXX bonus miles will be credited by Citibank to your XXXX account XXXX within 90 calendar days from the date when you completed all offer requirements. Please keep in mind this waiting period is standard for all promotions and can not be waived. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle, which will be no later than the end of the XXXX 2016 statement. 

Please note, all promotions will differ and are targeted to specific account holders during specific time frames. If you did not receive this promotion via your Citi credit card statement, personal email, or through U.S mail to your home address you will not qualify for this promotion. 

XXXX XXXX, it was my pleasure providing the incentive information. I hope you have a great rest of the week! 

At Citibank, we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number # XXXX listed above to complete your feedback.

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 2022-01-30
Company: Experian Information Solutions Inc.
State: IL
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 am a Victim if Identity Theft all of my information including my address, phone number, email addresses, social security number, bank account information, along with other personal information have been compromised.My personal information has also been exposed to an XXXX data Breach and also a XXXX data breach. My personal information has also been exposed on the dark web.There are several inquiries and accounts that i am not responsible for.The accounts that i am responsible for have been Greatly affected by this situation including several of my personal accounts in which i pay bills with.According to the Fair Credit Reporting Act it is within my rights to dispute any Incorrect information or derogatory remarks including Late payments.I have tried to settle this matter with several companies because it has greatly affected my family and i during this pandemic.

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 2016-10-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the last 2 years in a row, I tried to get my credit reports on XXXX. It asks me a few questions, I answer them correctly and it locks me out of all my reports and says I have to print out a page and mail it in. Of course if I need it quickly I can pay the {$20.00} overnight fee.

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 2016-03-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX mismanaged the insurance on this account and has since agreed to resolve but the wrong status and account information somehow went to collections XXXX XXXX office of the president of XXXX is handling. this need to be deleted and never effect my credit in anyway, my score needs to be returned to its previous status prior to the fraudulent representation wrongfully reported.

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 2016-06-11
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Citi because they were offering XXXX XXXX XXXX miles for signing up. In order to earn the miles, I had to pay bills through the account and spend at least {$1000.00} on their debit card. I did these things to earn the miles. Citi assured me I would get them with my XX/XX/XXXX statement. This has not happened and now they are saying it 's being looked into, but are n't providing any resolution. All the while, they have been charging {$30.00} per month for this account.

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