BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TRANSUNION has violated the law and continues to ignore me and must be held responsible for unlawful behavior and unprofessionalism : 15 U.S. Code section 1681i : ( 2 ) Before the expiration of the 5-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute the address and in the manner established with the person. The notice small include all relevant information regarding the dispute that the agency has received from the consumer or reseller! 
-Transunion refuse 's to acknowledge their 3rd party source who is holding my credit report hostage. They have failed to notify the superior courts office that i am disputing this item and they have never placed a notification next to this public record labeling it as " in dispute '' and this has affected my score. 
They continue to deny me an investigation and have denied me any further ones, and that is NOT LAWFUL! I have no proof, no verification and no notices from the records office or transunion that I have disputed this invalid lien. 

Transunion is also violating the law section ( b ) in the same paragraph. Which states : The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 
-Transunion has not done this in any way shape or form and I have received absolutely no descriptions an procedures as to how and what actual evidence was used in the determination process. The records office has NO evidence of a request on this agencies behalf to verify ANY information under my social security number or even my name! This company is shutting me down like I am nothing to them! 



Notification of FCRA law violation regarding TRANSUNION. They have threatened me again. They have claimed that I will NOT be heard and I would like the CFPB to note that I will not cease to fight an invalid tax lien XXXX from my credit report. Transunion refuses to investigate anything nor do they acknowledge that this lien was deemed invalid and should be removed by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: MN
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:
The following accounts listed on my Equifax credit report are fraudulent accounts and charges : XXXX XXXX XXXX  XXXX, {$260.00}, XXXX XXXX XXXX  XXXX, {$480.00}, and XXXX XXXX XXXX for {$500.00}. The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX/XXXX. All of my payments with the Following bank as been on-time and I have never had a late payment : XXXX XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
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:
To Whom it may concern, On XX/XX/2020 I got a message from XXXX XXXX about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my XXXX, XXXX and experian. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the 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
Consumer complaint received 2022-01-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been under an Income Driven Repayment Plan for years and Navient does not honor it correctly and denied it although fed loan and student loans.gov have me under a 0 monthly repayment plan. Navient has been emailed and called as to why I am forced to pay them and not receive my qualifying PSLF. I am an educator and have been since XX/XX/2008 to the present. It has been lie after lie and I also attended XXXX University with the loans under Navient and University XXXX XXXX. 
XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX IMPORTANT TAX RETURN DOCUMENT AVAILABLE Important Tax Document : Form XXXX XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminde XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX IMPORTANT TAX RETURN DOCUMENT AVAILABLE Important Tax Document : Form XXXX XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! 
XXXX XXXX XXXX approved XXXX Your Application from XXXX has arrived We have your Income-Driven Repayment plan XXXX Reminder : Your payment will increase soon It? XXXX time to renew your Income-Driven Repayment Plan! 
XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder Happy to provide more details

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I make a monthly payment to Citibank. The due date of XXXX XXXX, XXXX fell on a Sunday, and Citi Bank did not accept payments. The payment was accepted on XXXX XXXX, XXXX the first business day after the due date. I was charged a late fee, against XXXX Credit CARD ACT as the due date was on a non-working bank business day and permitted to accept the first business day to follow. I have never been late once. The late fee charged was {$35.00}, {$8.00} more than was is legally permitted. As my payments are made automatically and there was no indication or change to my balance, I continued to pay the same payment and they repeatedly charged me a late fee for the next few months. They broke 2 laws per the XXXX Credit CARD Act and now are forcing me to pay over {$170.00} in late fees.

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 2016-09-21
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have had Macy 's AmEx credit card for several years. I pay the account in full, on time. On XX/XX/XXXX, I opened the statement for the period ending XX/XX/XXXX, found that my account had been hacked. Several charges posted in XXXX, XXXX, along with foreign transaction fees. I called immediately, was informed the account would be closed, all fraudulent charges removed, a new card issued. I told agent there were eight days between the statement ending date and my receipt of the statement so there would likely be more charges. First statement for new account, period ending XX/XX/XXXX, included the hacked charges from XX/XX/XXXX-XX/XX/XXXX ( the previous account ). I spent two hours on phone with fraud unit while they supposedly removed those charges from the new account. However, next statement carried $ XXXX+ past due charges. More calls and a letter ( with every statement showing my charges and payments ) ; finally a message from them that everything was resolved. However, the XX/XX/XXXX statement shows that I still owe {$98.00}. I have paid all the legitimate charges every month so that {$98.00} is carryover from the hacking charges and fees. I canceled this card in writing ( not sure they did that ) and would like this resolved.

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 2015-09-12
Company: CITIBANK, N.A.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2009 I was sued by CitiBank while I was going to XXXX for college. I was working full time and going to to XXXX full time, but I did not receive any indication that someone was attempt to collect a debt from me or notice that I would have funds that came out of my student loans for college would be sought for as damages. When I was going to pay for my next semester of XXXX my student loans had been garnished from my bank account by CitiBank and I was forced to apply for additional student loans to continue school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
I applied and was approved for a Double Cash credit card on XX/XX/2017, but I still have not received the card in the mail. Several weeks after the approval, I received a notification that the bank received return mail. I called customer service and confirmed the address on file was correct and that another card would be expedited to me. I called again to obtain a tracking number and was informed that expedited shipping was not possible. After I made several more phone calls, and received conflicting information about the card shipping process each time, my final call was escalated to a manager/team lead. I was then told that the card was shipped via XXXX on XX/XX/XXXX, and was told that it typically takes only 5-7 days to receive the card. It has now been 14 business days since the card was supposedly shipped to me, yet I still do not have a credit card. Due to gross incompetence and deception by Citibank 's customer service, I am cheated out of both a credit inquiry AND and a credit card for which I was qualified to get.

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 2017-01-30
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attempted to have my student loans consolidated back in XX/XX/2009. When I did consolidate them, A new loan appeared on my credit report. When I consulted to new loan company, they did not see the loan that I was speaking of. I then called the department of education and they told me the loan that was added was paid in full and should not be collected from anyone. Well, Navient is refusing to adhere to that and are collecting on this very loan as I type this. I paid on it again today. I have produced the evidence from The Dept of Education and they have still refused to delete this loan or repay my funds. I need help. The dept of Education has proven that this loan is a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for bankruptcy XXXX 2012 and my attorney requested reaffirmation papers for my home and Bank of America did not respond. My home was excluded from the bankruptcy due to owing more than the house was worth. The credit bureaus report that my mortgage and equity loans were discharged and closed. I have paid my monthly payments through the bankruptcy and are up to date. I have tried to get Bank of America to reflect this to the credit reporting agencies, to no avail. I am requesting your assistance in correcting this matter.

Company public response: Company 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: 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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-01-23
Company: Navient Solutions, LLC.
State: TX
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 am the consigner for my daughters student loan through Navient. She paid 3 months XX/XX/XXXX. They called her XX/XX/XXXX and told her that the interest needed to be paid. She paid the interst and put it in forebareance. She was told that she did not have a payment until XX/XX/XXXX. They put on our credit that we were delinquent for XX/XX/XXXX and XX/XX/XXXX. My credit rating fail from XXXX to XXXX. We were never notified about the delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was on a payment plan with Comenity Bank that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. Comenity added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from XXXX XXXX debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to XXXX XXXX XXXX several times. After to speaking with numerous of representatives and to my medical insurance company, I was informed by my insurance that they were supposed to submit a claim to my medical insurance. I called XXXX several more times and they told me I had a XXXX balance and they would submit the claim. Well that didn't happen and then they sent my account to Wakefield Collections and now this is on my credit report twice. I sent XXXX my proof of insurance coverage and my medical id information and still they reported me to the credit agencies. 

Apparently they like for you to pay an enormous amount out of pocket so they can get more money instead of the contracted amount paid through insurance. This is ridiculous. I email and called and they never once responded back to me. Just screwed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citibank XXXX keeps calling and hanging up even though all my accounts are current with them. I receive several calls a day on my home and work number that are annoying and harassing even if I do not answer them any more. I have confirmed that my account is current and I continue to receive calls.

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 2022-01-31
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received letter for not paying medical bill that was already enrolled for monthly payment on XX/XX/XXXX, the installments were completed by XX/XX/XXXX. We did talk with the hospital and got confirmation that there was no balances and informs the same to the customer care representative. The debt collector reported derogatory on XX/XX/XXXX and XX/XX/XXXX for the paid amount.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: EQUIFAX, 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:
I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Balance transfer

Complaint:
I used XXXX to apply for a Citi credit card. After being approved for an amount, it gave me the option to perform a balance transfer and add an account. I added my XXXX account number and hit submit. Then it said I was idle and logged me out. I do n't know if my mastercard information is safe. I did not get any confirmation email from lendingtree or Citi. Almost seems like a phishing scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation