BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2022-02-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian and XXXX will not send me a weekly credit report. There are many inquiries on both reports negatively impacting my credit score.

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 2015-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repay but ca n't afford lump sum and do not want to deal with collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have both a personal saving account and an cooperate bank account opened in BOA back to XXXX piror the covid-19.

Are all in good standing for normal business and payments. 

By XXXX, XXXX, they suddendly got closed without any reason, just one mail notice. 

Tried call the hotline and nothing given.

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have attempted more than  10 time s thru the last year to get my credit reports from all  XXXX  credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get  S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress,  ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.

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 2022-02-09
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX XXXX XX/XX/XXXX filed fraud dispute. 
{$320.00} was the total amount taken. 
Filed fraud dispute. Called AT least every 2 weeks since the original date I filed. 
XX/XX/XXXX was the last date I called to ask for an update, was told it was being worked on. 
I also have emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered   credit score.
I disputed these two accoun  ts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and  XXXX  to no avail. To date,  Midland Funding  has continued to ignore my requests for validation and ignore my consumer rights.     I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I   have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted.     Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts?     I have not received any correspondence for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have two student loans, one is with Dept. of Ed. and the other is serviced by NAVIANT. When I asked Naviant if I could consolidate my two loans I was given a run-around no one could understand. I gave up. I also do n't know if my payments are being credited in a timely manner, I would have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Consumer Portfolio Services, Inc.
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XX/XX/XXXX, & XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with XXXX, XXXX and Equifax who has been reporting incorrect information for XXXX years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I secured a mortgage back in XX/XX/XXXX from a bank and then re-financed my mortgage through what was then a company highly publicized and known for predatory lending practices called XXXX. Citi Bank, also known as Citi and Citi Mortgage either owned or bought XXXX XXXX and acquired the mortgages that they had. Me and my then wife filed for Chapter XXXX Bankruptcy back in XX/XX/XXXX. The bankruptcy judge sent notification to all those credit entities that were on my credit report, including CitiMortgage. These creditors had a specified amount of time to respond to the judge 's notification that I have applied for bankruptcy protection. 
CitiMortgage failed miserably in responding to notification that was sent to them, and the bankruptcy judge denied them access to be paid through the Chapter XXXX Bankruptcy Trustee. 
Already an entry on my credit report, this bank begins the process of transferring my account to THEMSELVES in an effort to have a derogatory entry on my credit report for a longer period of time than the law allows. They have absolutely no consistent data entered between the XXXX credit reporting bureaus. On my XXXX credit report, it has them on my report XXXX separate times with the name of the institution, address and phone number identically the same on XXXX entries ( transferring account to themselves ), and then the XXXX entry has a different name with a fictitious phone number that does not even belong to this huge bank. On my XXXX XXXX report, it has them listed on XXXX separate entries indicating that they transferred my mortgage to themselves. same exact information on both entries. On my XXXX credit report, they used the XXXX different addresses, but XXXX of them is not who it is proposed to being. They used the address and phone number of a phone number of " The XXXX XXXX XXXX XXXX line '' There needs to be more stringent penalties against banks, financial institutions and mortgage companies that attempt actions such as these because it detracts from the trust and faith that is placed in our systems as citizens just trying to do right by the laws that are put before us. 
I wonder what would happen to me if I tried such a deceptive and fraudulent maneuver!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
As a way I am sure to make banking " more convenient '' my bank, Bank of America, now allows withdrawals from their teller assist ATMs with just a drivers license. Since this transaction is not conducted with a debit card the normal consumer protections allowed under REG E apparently do n't apply. A fraudulent ATM withdraws of {$1200.00} was conducted using just a drivers license as a form of authentication through their new ATA machines in a locale I have never visited over XXXX miles away from my home. When notifying them of the fraud the next day the bank explained this case would be treated as identity theft instead of a fraudulent transaction and would follow a different investigative course and remedy. Meanwhile we are out significant funds as the bills mount while an investigation takes place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent asking  XXXX   XXXX  an d Citi Financial to se nd me a payment history, which they refuse to send because th e SOL in North C arolina have ran out and they are re-ageing the account to add a negative report on my credit report.  XXXX  has removed it because they would not verify the information. I 'm still disputing it with  XXXX  who refuse to send me the verification as well. I 'm  giving both NCB management a nd  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history

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 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AD XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1600.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$1600.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$380.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$380.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$400.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$400.00} Date Opened1XX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$140.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$140.00} Date Opened12/15/2020 Dispute Revolving Accountsshow tooltip button

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 2015-12-31
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit card with Citi. Their card account website shows the card 's " Current Balance '', which does not include pending transactions. These transactions are then applied in non-chronological order, which is misleading. In addition, there is no running transaction total column next to the statement of credit card purchases, which further compounds the problem. As a result, I end up not being able to repay the full amount owed by me to Citi each month because the Current Balance shown is not accurate. This works in the bank 's favor by hiding balance information from me and potentially allowing them to charge me fees if I underpay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with Nation 's Bank years ago when Bank of America purchased Nation 's Bank and grandfathered my no fee checking. I moved this account to XXXX, Oregon and BoA grandfathered my no fee checking. BoA compelled me to change the account to a no-interest checking account when I purchased a home with BoA mortgage. BoA then sold my mortgage disqualifying me from having the account at no charge to me. They claimed they would grandfather me. Fraud occurred in XXXX XX/XX/2014 with a washed check, at BoA request we opened a new account and at great annoyance migrated everything ( bills, autopays, etc. ) to that account over 3 months time. They promised they would grandfather my new account. Their payments got messed up and they failed to make a scheduled mortgage payment inciting my mortgage company to interrogate me. After unwinding that in-person at BoA they again promised to grandfather my account. On XXXX XXXX, BoA started charging a new fee ( {$25.00} maintenance ) posted on XXXX XXXX to my account. On inquiry they determined they would not live up to their promised grandfathering and offered other fee based account options. While they refunded the fee they failed to mention I would get charged the same fee the next month. 

Through mergers and coercive behavior, the gov is a willing participant in reducing competition and reducing consumer services while funding these companies with taxpayer dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions Inc.
State: PA
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 filed a recent complaint on incorrect cra data reporting on my credit file. I still get a outright refusal from experian to cooperate. My next course of Acton is legal action for FCRA violations. I will give experian one more chance to rectify this situation before legal action is taken.

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 2022-02-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
PayPal did not disclose that a peer-to-peer payment would take more than 6 business days. Website gave a timeline for fund availability of XX/XX/XXXX. It is not available and they now claim, it could take up until XX/XX/XXXX. Funds have already been deducted from linked checking account and PayPal is unnecessarily holding the funds and not releasing it to the recipient. 

Transaction ID : XXXX Spoke with a customer service rep and supervisor and no acceptable resolution was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
XXXX was discontinued at XXXX ( a cashback card ). In its place, I was issued a Citi Business card ( also a cashback card ) I wanted to get a second user card for my daughter to have her own card ( She already had a XXXX card ). The day I received the new XXXX card, I called XXXX to make the request. A card was received. It was the Citi XXXX card ( mileage benefits ) not the Business card ( cash back ). I called XXXX & was told I had to go to XXXX for the card to be issued. XXXX told me to go back to XXXX. XXXX took all the information & said a card would be sent. I waited. A card was not received. I called again ( maybe twice ) I believe it was Thur XXXX when I spoke to a woman who told me the card would be expedited & I could expect to receive it Tuesday XXXX. I received an email confirmation. Then, because the delay cost me cashback, I spoke with XXXX in AZ, ID # XXXX. The issue was the cash the delay had cost me cashback credit. XXXX promised a {$100.00} credit. Today is XXXX the card has not arrived. I just spoke with XXXX in AZ, ID # KYT XXXX. I was told only {$10.00} added to my cashback was the only benefit I would receive to compensate for the time, money & aggravation caused by misinfomation and incompetance by XXXX 's Customer Service. I believe the cashback earned by my daughter 's purchases would have been more than {$100.00} but, out of frustration, I accepted the settlement. My conversation with XXXX was VERY unsatisfactory. He told me that the card had been sent by regular mail on Fri XXXX and he could do nothing about increasing the cashback credit. No courtesy call or email from Citi to let me know about the delay or the minimal credit was made. XXXX was adamant in saying that Citi has millions of customers & could not accommodate my request. That number of clients is great but how about a Customer Service entity to be knowledgeable & efficient & TRUTHFUL? If, for some unknown reason, more than {$10.00} could be credited, to my logic, Citi could send me a check. No, he told me, that was n't possible. Citi can not issue a check??? Now, I think it is fair to have a Citi employee look over the expenses incurred by my daughter with my supervision, to assess exactly how much money would have been earned. And, why would I be told by the first Agent & confirmed by XXXX # XXXX that the card would be expedited ( not true ) and per XXXX that I would get a ( measly ) {$100.00} credit when he would only authorize a {$10.00} credit? Why are XXXX Customer Service agents allowed to give misinformation & downright lies without consequences. Why am I paying the consequences for their inadequate service?

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