BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint regarding the failure of Experian to remove inaccurate information from my credit report. According to my recent credit report, there is information that is inaccurately reported, which is negatively impacting my creditworthiness. 

I have previously disputed this information with Experian and provided evidence to support my claim. However, Experian has failed to remove the inaccurate information from my credit report, despite my repeated attempts to have it corrected. 

This inaccurate information has caused me to be denied credit and has negatively impacted my credit score. I have made efforts to rectify this situation by contacting Experian, but to no avail.

I am requesting that Experian promptly remove the inaccurate information from my credit report and take steps to prevent such inaccuracies from occurring in the future. I also request that Experian provide me with a written confirmation of the removal of the inaccurate information from my credit report. This is not fair. Experian continues to turn a blind eye and deaf ear and report erroneous information. There are XXXX  XXXX XXXX that reside in Illinois! There's also unknown addresses on my credit report where I've never resided! Why is this legal? How is this ethical? 

I appreciate your attention to this matter and look forward to a prompt resolution. Please inform me of any actions taken by Experian regarding this complaint. 

Company : XXXX  / Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023, I logged into my Chase account ( I have been a Chase Freedom credit card holder for nearly 20 years ). I saw a banner that said I had been " pre-approved '' for the Chase Sapphire Preferred card. I decided to click on that, and Chase, already having all the info it needs about me, only asked for me to update my annual income ( I listed around 300K ). My credit score is well above 700. Despite the unambiguous statement that I was already preapproved for the card, I was not. My credit card application needs up to several weeks of further review. Had I known that, I would not have applied, I would not have consented to a hard pull. I contacted Chase to complain about the misleading advertising and I was told, essentially, too bad. They also would not let me cancel my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Since XX/XX/XXXX XXXX XXXX XXXX is the last message I have from them updating my email and information I've called with my counselor who's assigned to help me find a therapist for my XXXX  as a XXXX being homeless since XXXX I've had my wallet stolen every year if not every other month throughout the years of being homeless  since XXXX I still live in a homeless shelter till this day and get robbed. After countless times way before XXXX in the year of XXXX reporting my card stolen I stopped ordering a new one and just decided to close the account around this time they decided that they can send me a card but they can not close my account I have sent them face photos me holding my ID paper saying the date time my name with my face in the picture and still they refuse to close the accounts I've been told I have verified and provided all that's needed and still not had my account closed after explaining that I am a victim of identity theft and that I had to get a new phone number and new email and so on verify the emails that I have contacted them on and still they refuse to close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
sunrise credit services has had my debt from XXXX XXXX since XXXX i made one payment in XXXX  and one payment in XX/XX/XXXX and havent heard from them since until today XXXX XXXX i have a balance with them of XXXX for old student tuition debt. i never received written documentation from them before i started getting phone calls. they hardly call or notify me of anything except when they do call, they are very intimidating and rude and expect me to pay large amounts when I cant. ive been told by their representatives that i could just get a second job, its my debt to pay so i have to pay it, ive been lied to that they dont have supervisors to speak with, ive been told that they will send my account to legal to have my assets investigated like if im working, my checking accounts, and to put a lien on it to force me to pay when ive never been made aware of that before. theyve hung up on me when i wont pay, theyve used profanity and predatory language and make no efforts to be personable. not one conversation has made me feel safe even dealing with this company. im aware of the debt, but im aware of my rights

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 2023-03-06
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted this company for many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts that are reporting incorrectly and have no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet Loan Services continues to refuse to fix a broken button when making a payment. When making a payment on its website, and when attempting to pay more than the minimum, there is a dialog box that pops up where you can check it so it does not advance the due date. Obviously Nelnet wants you not to check the box and tries to skip your next payment. Well that box has been broken for over six months now. I have asked three times over that period that they simple allow a person to check that box but they refuse to fix it. This is unacceptable. They should not be allowed to keep me debt longer through a broken website which they clearly are doing on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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:
Hey I should not have a XXXX  account!!!! I should not have a balance! I keep reading on my reports that an account is open, AFTER telling them twice to close it, then you guys take their side with no proof.after I verbally told them I have no account and to close it, now im convinced that this is a scam, they also ran an unauthorized credit check on my report, they have no proof I have agreed to anything.because I didnt this was all fraudulent activity for several monthsso none of you will help? My next step is legal action, because im not sure who phone is being notified but its not mine my email is never notified either I havent even gotten mail from these people regardless of what they say

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank continues to not allocate my payments to Promotional Balances as requested through their credit services app.

I made 1 purchase online with Home Depot and Citibank fractured the balance into 6 separate Promotional balances. I requested Citibank to just combine into 1 balance as all are due on XX/XX/2024. Citibank refused. 
I have managed to pay off 4 of the balances leaving 2 balances. Citibank again fractured the account back ( Citibank has done this twice now ) into 4 separate balances.

I just made a payment to payoff 2 of the 4 balances and the minimum amount due on the account. Citibank did not allocate the payment as instructed and I still have 3 different balances.

I am a senior citizen and I believe they are making this difficult to pay off by creating separate balances so that I will owe the interest that is deferred until all is paid off. This is a scam and they are harming the consumer. I feel so stressed and sick by this fraudulent practice of Citibank. Please help as their customer service representative was extremely rude and yelled at 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 2023-02-20
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received 2 Netspend pre-paid Visa cards from my Mother in XX/XX/XXXX. My Mother suffered a very tragic accident on XXXX XX/XX/XXXX and subsequently passed away in XX/XX/XXXX. I could not even look at the cards much less deal with them after my Mother 's passing. 
I contacted Netspend today ( XXXX XX/XX/XXXX ) as I tried to activate my pre-paid cards via their website and I was directed to call them. During the very lengthy activation process I was informed that the balance of the card was much less than I expected it to be. I was told the card was being charged an inactivity fee of XXXX every month. 

How can the card be charged an inactivity fee if its not even activated?

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery keeps calling me after I have told them to stop calling me They have been calling me up to 10 times a day since 2020 and are still calling even in the evening time up until XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Target on Saturday XX/XX/2023. It explained that my application for a credit card was declined " because we couldn't confirm some required information. '' We can reconsider our decision if you provide the necessary information. I called the XXXX number on the letter and explained that I never applied for the credit card. The representative asked me for the Application ID which I gave her. She read the last four digits of a phone number that was not mine along with a bogus email address. She then gave me the last 4 numbers of a drivers license which did match my license. She the proceeded to explain that they would file a fraud report and that I should do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BOA charged {$35.00} overdraft fees a few times when my funds got low. It was under a stressful time during covid and all of it. I did not have the chance to call to inquire why. I thought as a longtime BOA customer that they would help in some ways, but apparently, they didn't and kept charging the 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 2023-07-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent a debt validation to navy federal regarding the accounting on my auto loans XX/XX/XXXX. I asked them to provide : 1. The actual accounting of the loans.

2. A signed invoice ( NOT A STATEMENT ) 3. A Copy of the Contract Binding both parties. I'm aware that the four essential conditions to a lawful binding contract are : 1. Full disclosure ( I was never told that I was creating the debt with my wet ink signature ). 2. Equal Consideration ( you must bring something of value to the table ).

3. Lawful Terms and Conditions. 4. The Wet Ink Signature of BOTH PARTIES ( Corporations can't sign because they have no RIGHT or Mind to contract since they are soul-less legal fictions and furthermore no third party can sign a contract on their behalf. 

I sent this XX/XX/XXXX. If no response within those 14 days I asked them to discharge my debt. On XX/XX/XXXX they still never sent me the information and I asked them to discharge my debts again. So on XX/XX/XXXX I sent them an affidavit of default by notary. But they still never discharged the debt. Navy Federal has failed to show me the accounting of the loans to show me that they put up anything of equal consideration which is violating a lawful binding contract. I was never told based on the disclosures that I was creating the money with my wet ink signature. First National Bank of Montgomery v. Daly better known as the Credit River Decision references my argument. In this case the bank had not lent XXXX any actual money but simply created a credit on its book, and therefore since nothing of value had been advanced by the bank, it was not entitled to the property that had been given as security for the loan. This is exactly what's happening with my auto loans. Navy Federal fails to give me the information I've asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
I am making this complaint myself. please do not close this complaint please submit it to the credit reporting agencies. I noticed accounts that do not belong to me on my credit report and i called the companies and i did not authorize these accounts nor did I benefit from them im any way.

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 2023-02-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 sections 602A states HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 sections 604 A sections 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
According to a XXXX XXXX, 2023 blog post from the Consumer Financial Protection Bureau, a settlement with Wells Fargo was reached after the bureau found that more than XXXX XXXX Wells Fargo accounts were subject to the bank 's " illegal practices, including misapplied payments, wrongful foreclosures, and incorrect fees and interest charges. '' Wellsfargo closed my account for {$960.00} without my knowledge.

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 2023-04-23
Company: TransferWise Ltd
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
transfer., .company I have account in wise comeny..my wise account e mail address is XXXXthey deactivated me for some wan was access my account and do some mistakes, ..they stollen my account and they accessed my wise account, .and I was in vacation, ..I came back and I change my password, ..so I need hep from you to help me to allow to access my wise account., .please I read agreement and rolls of wise, and will never habben again., .please help me to get back my wise account., .which they deactivated me., .I am in XXXX ohio XXXX XXXX address XXXX XXXX XXXX, XXXX, XXXX number XXXX, .please help me thanks very much., .itis very important for me., .to get back my account., .or allow me to get new one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has called me constantly to collect a debt. I received a letter XXXX for debt validation they could not provide me legit documentation. I asked if a photo ID was given please provide it, the customer service rep tried speaking over me and begin to hang up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received an email last year in reference to a product called balance connect. I was denied. I received another email applied and was denied again this month. Both caused hard hits to my credit. They shouldnt offer unless they send requirements including credit score requirements.

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 2023-02-28
Company: Receivable Collection Services, LLC
State: NJ
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 am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all these discrepancies. Please remove these inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Equifax : If you life a credit freeze, it is immediate or can be scheduled. But you can only schedule it from one day to the next. 

Suppose you want to lift a freeze for a few minutes to allow a new account application approval. You then have to wait to the next day to reinstate the freeze. That leaves you wide open as a target. 

Other credit reporting bureaus allow you to turn the free back on right away. Why not Equifax.

Company response to consumer: Closed with explanation