BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME 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 2017-05-25
Company: Auto Trakk, LLC
State: SC
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 sen t AutoTrak sev eral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Fidelity XXXX XXXX credit card which was changed to Fidelity VISA with Elan Financial Services. The Fidelity interface automatically takes you into your credit card where you can see transactions, pay bills, etc. I set up an automatic payment for the entire balance. Some weeks later, it stated the payment had not been set up. I went back into see what was going on, and experienced problems with the interface. I set up the payment again as it did not show my automatic payment set up weeks earlier. Subsequently, my credit card was charged twice and then I was assessed a {$25.00} fee by Elan and my bank when the second payment bounced. I attempted to resolve the matter but the bank will not credit the fee and I am left with charges for something that was not caused by me. Elan made all kinds of excuses and claimed it was my fault, even though they acknowledge that there website does n't show prepayments ( Fidelity 's interface does ). So, all new customers are left hanging, and with messages like the one I received indicating no payment has been set up when it was, and then leaving the customer thinking it must be set up again. Elan also failed to transfer payments set up on the old card XXXX XXXX XXXX XXXX, but transferred the balances to the new card. So, payments were made to the old XXXX XXXX card ( for balances incurred on that card ), but the balance had been moved to the new card, so the money was taken but not applied to the right card. In short, this organization ca n't find its XXXX for its yin yang and consumers are being penalized for the mismanagement of money.

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 2022-04-08
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card number was stolen and used for several transactions, I reported the transactions to my bank but they have not refunded me for the fraudulent transactions. 
- XXXX XXXX XXXX - {$20.00} XXXX XXXX GA - {$330.00} -XXXX *XXXX XXXX XXXX {$660.00XXXX XXXX XXXX XXXX XXXX DE - {$11.00} XXXX XXXX XXXX DE - {$160.00} -XXXX XXXX XXXX XXXX DE - {$71.00} -RXXXX XXXX XXXX XXXX DE - {$30.00} -XXXX XXXX XXXX XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : KOHLS DEPARTMENT STORE # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX  XXXX # XXXX, XXXX/XXXX  XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX. The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, I sent Equifax, XXXX XXXX and XXXX certified letters regarding two inaccurate and unknown things on my credit report. I looked at my credit report today and I have not received no response. Yet my credit score continues to plummet. I feel I am being taking advantage of and my dispute letter is being ignored. According to Fair Credit Reporting Act Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am just obeying the law. Since 30 days have passed and I have not gotten any response from them and my credit score has gone down, I demand those phony accounts be deleted or I will file for litigation due to stress on my life. Trying to call them is a waste of my time because the answering service tells me they can't take my phone calls today and to call back later and hangs up. Because of their negative reporting, I can't rent an apartment, forget buying a house and can barely get a credit card. I am tired of getting rejected every time I apply for credit card. My information was also impacted by Equifax, XXXX XXXX and XXXX data breach and have gotten into the wrong hands of the wrong person. How do you think I feel?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: U.S. BANCORP
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:
On XX/XX/2020 I received mail from U.S Bank ReliaCard with a debit card attached. I did not authorize nor did I apply for any account and/or benefits associated with 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 explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Robo calls come in every day at least 4 times a day. I was only able to speak once with a representitive who told me more than 90 days ago that they will no longer call, but they still are and they still leave robocall voicemails telling me they are a collection agency. need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is in regards to the recent claims against Navient. I have had horrible experiences with the loan provider since finishing my XXXX in XX/XX/2013. They constantly try to tell me to pay more on my loans. I work for a non profit and make just enough to get by. On multiple occasions they have gone through my finances and said I would have enough to pay a higher rate. I sobbed and sobbed to them and after going through different avenues I had to fight for a rate that was somewhat manageable. It was to the point that I would n't have any money in savings and when I said do you want me to lose my home the man was inappropriate and laughed. This is n't the first time I have had horrible experience with the customer service agents there. They often laugh when I cried on the phone, disrespected me, and violated my privacy insisting they needed to know a complete breakdown of my expenses and said bases in my pay check, which is already little, I could pay a certain amount. They constantly tell me that their extremely high interest rates are normal and nothing can be done. I ca n't make a dent in the loans because of the interest rate. Hope this helps others experiencing the challenges with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: LEXISNEXIS
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 requested a bankruptcy on my credit report be verified and validated, and if it can not it must be deleted. I got notification that it had been verified but I also received a letter from US bankruptcy court that they do not verify and information with credit reporting agencies. So I was given false information as to the validity of this item knowingly and willingly ruining my credit report and character. It is against the law to report unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America in XXXX of XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX XXXX saying they had the loan now. We disputed the validity of this debt. XXXX XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amount of {$620.00} which has significantly increased this debt. And now XXXX XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the XXXX XXXX XXXX XXXX Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX XXXX that foreclosed on homes and should not have.

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 2023-04-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was recently reviewing my credit card statements as I was checking for any odd charges and I noticed that I had never gotten or was generated a statement for XX/XX/XXXX or XX/XX/XXXX. I spoke via live chat on Citi.com on XX/XX/XXXX and was told that " There's no transaction done so a statement couldn't be generated '' however a payment on the account for a balance count as a transaction and this also can be demonstrated by the statement that was generated for me on XX/XX/XXXX which had no purchases but two payments that counts as a transaction and generated the statement.

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 2022-08-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Ally Bank card was charged {$890.00} from an unknown merchant and was an unauthorized transaction. To solve this, I contacted my bank and although providing evidence and a XXXX police report, they refused to consider fraud. Along with this, customer reps from Ally lied multiple times about filing a fraud dispute claim when calling. As a young man straight out of college at his first job, {$890.00} is quite a bit of money for Ally to refuse reimbursement. Along with this, I have been a customer for over 5 years ( Family 20+ years ) and will have to move banks since they can not even keep my money safe.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion is reporting a closed account that hindering me to use my credit the account is credit strong

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 2022-08-31
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have disputed this debit with another debit collector. When Sunrise credit purchased the debit I sent the dispute five times with them saying they never received it. They continue call saying they spoke to XXXX XXXX XXXX and it is a valid debit and I need to pay it. I send another dispute today and a half an hour after sending I just received an debit is its valid you must pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: SC
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:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for an account with CitiBank/CBNA, XX/XX/XXXX that he never authorized. A dispute of the inquiry was sent certified mail to CitiBank/CBNA XX/XX/XXXX. CitiBank/CBNA responded to my client with a letter informing his " no account was found '' for dispute. We were not disputing an account we were disputing a fraudulent application that resulted in an inquiry.

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 2021-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
in violation of 15 USC 1692 j, navient tricks the consumer into fictitious debt obligations through unfair and abusive practices. the facts are that no loan was given as the word is not defined by the FAIR DEBT COLLECTION PRACTICES ACT. I have requested that navient show the source of the alleged funding and proof that a loan was given. navient is using deceptive practices to enforce fraud and the contracts are invalid because of their use of silent jurisdictions, secret contracts, identity theft and commercial fraud to harm this consumer and natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Was not notified of investigation status or results

Complaint:
There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 called the credit bureaus Transunion, XXXX, XXXX  and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.

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 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there was things on my there I have never seen. These items need to be removed immediately. 

XXXX XXXX {$9000.00} XXXX  XXXX {$4600.00}

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I examined my credit report recently and I saw some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no understanding of how someone would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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