BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything XXXX XXXX, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of XX/XX/2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically XXXX again the account to damage a consumer score more, a complaint has been filed against them as XXXX I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I AM FROM XXXX, XXXX AND I AM A STUDENT AT THE UNIVERSITY OF ARKANSAS. I PERFORMED WORK FOR AN ORGANIZATION NAMED " STAND STRONG, STAY DRY, BE SAFE '' WHICH WAS FORMED TO OPPOSE A MOVEMENT TO ALLOW LIQUOR SALES IN XXXX COUNTY, XXXX. I RECEIVED A CHECK DRAWN OFF THEIR ACCOUNT AT XXXX XXXX IN THE AMOUNT OF {$1700.00} ON XXXX/XXXX/16 AND DEPOSITED THESE FUNDS VIA MOBILE BANKING THAT SAME DAY TO MY CHASE ACCOUNT ENDING IN XXXX. ON XXXX/XXXX/16 A LETTER WAS GENERATED BY CHASE STATING " WE BLOCKED AND WILL CLOSE YOUR ACCOUNT ENDING IN XXXX '' -- -LATER IN THE LETTER CHASE STATES " AFTER WE VERIFY YOUR FINAL DEPOSITS AND PAYMENTS, WE WILL MAIL YOU A CHECK FOR YOUR REMAINING BALANCE AND A FINAL CLOSURE NOTIFICATION ''. THIS WAS NEVER DONE AS MY ACCOUNT WAS " RESTRICTED '' AND I HAVE NOT BEEN ABLE TO USE THE ACCOUNT SINCE XXXX/XXXX/16. OVER THE NEXT SEVERAL WEEKS I WORKED WITH BRANCH MANAGER XXXX XXXX IN XXXX IN AN ATTEMPT TO GET THE MATTER RESOLVED. ON XX/XX/XXXX SHE INFORMED ME THAT SHE HADE GONE " UP THE CHAIN OF COMMAND '' AS FAR AS SHE COULD GO AND WAS NOT ABLE TO RESOLVE THE ISSUE OF GETTING ME MY MONEY.SHE STATED THIS MATTER HAD BEEN TURNED OVER TO THE EXECUTIVE COMMMITEE LOCATED IN XXXX XXXX WHICH WAS THE RESOLUTION GROUP IN CHARGE OF OPERATIONS ISSUES. THIS MATTER WAS ASSIGNED A CASE # TO BE WORKED BY A PERSON NAMED XXXX. IN DISCUSSIONS WITH THIS GENTLEMAN, WE STATED THAT AS TIME HAD PAST AND THE FUNDS HAD CLEARED XXXX XXXX, THERE SHOULD BE NO ISSUE AS TO THE FUNDS BEING '' GOOD MONEY ''. WE ALSO PROVIDED INFORMATION TO HIM ABOUT THE ENTITY TO PROVE ITS LEGITIMACY. NO PROGRESS WAS MADE WITH THIS REPRESENTATIVE AND HE WOULD NOT GIVE ANY SPECIFIC INFORMATION AS TO WHAT THE PROBLEM WAS OR HOW IT COULD BE RESOLVED. ON XXXX/XXXX/16 HE CALLED TO SAY CHASE WOULD NOT RELEASE THE RESTRICTED FUNDS AND HE WAS CLOSING THE FILE. IN THIS CONVERSATION, ONE FINAL ATTEMPT WAS MADE TO ASK WHAT SPECIFIC INFORMATION DID HE NEED THAT WE COULD PROVIDETHAT WOULD ALLOW THE RESTRICTION TO BE LIFTED AND THE FUNDS BE RELEASED. NO ANSWER WAS RECEIVED IN THIS REGARD..THERE HAS BEEN NO OTHER COMMUNICATION WITH CHASE SINCE XXXX/XXXX/16. I HAVE VISITED WITH SEVERAL BANKING EXPERTS AND AN ATTORNEY WHO TELL ME THAT I HAVE BEEN WRONGED AND CHASE HAS NO RIGHT TO HOLD MY MONEY. ADDITIONALLY, I HAVE A COLLEGE FRIEND WHO ALSO WORKED FOR THIS SAME ORGANIZATION AND EARNED {$150.00}. HE TOOK HIS CHECK HOME WITH HIM ON SPRING BREAK AND DEPOSITED IT TO HIS ACCOUNT AT CHASE IN XXXX, XXXX WITHOUT A PROBLEM. IN CLOSING, I HAVE WORKED IN GOOD FAITH TO BRING RESOLUTION TO THIS MATTER. IN MY OPINION, CHASE HAS NOT! THIS IS A MISHANDLING OF JUSTICE AND I NEED MY MONEY!!! AS THIS IS A SUMARY OF THE BASIC FACTS, PLEASE LET ME KNOW WHAT ADDITIONAL INFORMATION IS NEEDED. MANY THANKS IN ADVANCE FOR YOUR EFFORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Under personal information- one of the names and address is incorrect

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 2015-06-26
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Today ( XX/XX/XXXX ) I received a XXXX Envelope from Citi Mortgage which clearly attempts to raise doubts/worries for the consumer ( me ) to get me to apply for a Home Affordable Modification Program, including a request for a copy of my tax return ( form XXXX ). The XXXX page of this package refers to this as an " Urgent Notice '' with " All REQUIRED documents being due XX/XX/XXXX '' and implies that it is needed so I can " avoid foreclosure ''. Since I am on auto-pay to Citi for my mortgage, and am up to date on payments, I found these scary tactics completely unwarranted and clearly falling into the category of deceptive business practices. My current loan balance is in fact for less than XXXX of the current property value for which I have a Citi loan, and if needed, I could pay off the loan in full from my retirement savings. Also my mortgage with them is a long-standing loan and I SHOULD be in good standing with Citi Mortgage. Note that this is the XXXX time in the last year that my experience with Citi 's business practices could be characterized as not befitting a major lending institution. This makes me wonder why in the world we taxpayers have bailed out businesses that continue to operate near the margins of legality. Pleas note that your categories for multiple choice items are limited, and so my ability to pay is not at issue ; what is at issue is Citi Mortgage implying/suggesting that there is a problem with my ability to pay.

Company response to consumer: Closed
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CA
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:
These are XXXX XXXXNavient loans that I paid on for over ten years and the balance is still very close to the original amount. I saw this on the XXXX XXXX and said I am XXXX of those people. Where did all of the money that I paid into it for 10 years go? They, repeatedly, offered forbearances and said it would just be an extra payment at the end. There were times were I would make a payment and it just disappeared. I would be forced to make another payment, the next week. They were very deceptive. The loan was sold multiple times and often felt that I was being lied to with no one to get a real answer from. I paid on XXXX accounts for ten years and the total is still near its original balance ( {$11000.00} )! These now show up as closed-derogatory student loans with an {$10000.00} balance. I paid on them for ten years and paid down {$500.00} I just got a call from XXXX XXXX from XXXX XXXX XXXX who said they were with Navient and looking to settle at a drastic reduction, however, the words and actions of the person that contacted me on the phone made me unsure of their validity. 

These multiple loans have kept me from getting into a home for ten years. I, finally, have some XXXX to listen. As much money as I have paid to this loan, I would like for it to be resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been battling with XXXX and XXXX, XXXX XXXX XXXX for over a year regarding a debt that is not mine. I continue receiving letters from XXXX, XXXX XXXX XXXX regarding same debt although I 've submitted documents to XXXX, XXXX XXXX XXXX proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.

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 2021-01-11
Company: Shellpoint Partners, LLC
State: DE
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:
Primary holder Deceased Information was reported on my credit file not knowing the outcome of the mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I reviewed my credit report XXXX, XXXX and XXXX  and I notice Derogatory Remarks of Collection and Charge off collections of {$4300.00}, {$4700.00}, {$5000.00}, and reduction of Charge Off/Collection debt of {$150.00}. 
This debt shouldn't be reporting on my credit report or Consumer Report.I don't owed no debts. 
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
This is a Violation of my ADA Disability Civil Rights Act under Department of Justice. 

This Collection and Charge off shouldn't be sent to no other Private collections companies. 

Many Federal complaints was filed against Oportun from 2019 till XXXX for Retaliation and Discrimination because my National Origin XXXX XXXX XXXX and my XXXX XXXX status. 
Federal filed complaints with CFPB and ADA Department of Justice. 
# XXXX XXXX XXXX and XXXX XXXX # XX/XX/XXXX.and XXXX for XXXX XXXX. 
Oportun was filing with their company Law Firm to sue me in collecting the {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Receivables Performance Management, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
THEY ARE CALLING MY NEWLY ISSUED WORK PHONE NUMBER ( LAND LINE ). I AM NOT THE PERSON THEY ARE LOOKING FOR. I HAVE ADVISED THEM OF THIS, AND ASKED THEM TO NOT CALL AGAIN, BUT THEY CONTINUE TO CALL 2-6 TIMES A DAY, PER MY CALLER ID. THEY HAVE CALLED ME A TOTAL OF 12 TIMES SINCE XX/XX/2017. I TOLD THEM TO STOP CALLING WHEN I ANSWERED THE FIRST CALL I EVER RECEIVED FROM THEM ON THE XXXX. THE PHONE # THEY ARE CALLING IS 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 explanation
Consumer complaint received 2016-05-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had an account with Chase for about 10 years. In the last 4 year I have been employed with a firm that does not offer direct deposit. So in order to have free checking with Chase you must have either direct deposit or keep in minimum of {$2500.00} in your checking account. Because I do n't have the option of direct deposit nor can I afford to keep {$2500.00} in my account I am charged what I call a poor persons fee of {$12.00} a month. A lot of times I am charged this fee when there is not enough money in the account to cover it. 
Monday XXXX XXXX I was scheduled to have XXXX automatic payments deducted. Chase instead posted the payments on a Saturday, XXXX XXXX in order to charge me overdraft charges on the date the deduction was due. I have never been charged an overdraft fee on the same day a charge is due. Usually I am given till the next business day to make the funds available. I had about {$50.00} available in my account. XXXX of the transactions was for only {$30.00} which was fundable. The second charge was for {$120.00}. I was still charged XXXX overdraft fees even though I have enough to cover XXXX of the charges. They refused to refund the charges. I have been pummeled with fees over the last year. Even XXXX in one day in XXXX instance. 
XXXX XXXX I submitted an online payment to XXXX. On the Chase site it says that this one time electronic payment will post in 1 business day. On my account it shows that this payment has been send and paid. XXXX has not received this payments. I have asked that the money be put back in my account to avoid service disconnection, Chase is refusing to refund the money even thought it has been more than one business day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX My Bank Account portal was compromised and 3 of my 5 accounts were frozen including the one set up with Autopay for Provident Funding. 
XX/XX/XXXX New checking account set up to begin Banking again. 
XX/XX/XXXX Went online set up new autopayment acct for Provident Funding. In addition, I paid 2 days prior to my XXXX mortgage in advance because I could not stop the auto withdrawal on the frozen account that was set to happen on XX/XX/XXXX. In other words knowing the payment would decline, not being able to stop it ( because I was within the 48 hour window ( which is Provident Fundings policy ) I went ahead and paid it in advance. My payment history is excellent. XXXX payment was received in full and not effected. In other words I NEVER missed a payment to Provident instead I paid 2 days in advance. 
XX/XX/XXXX I called Provident to remove the {$25.00} fee for insufficient funds on the frozen account bec I paid 2 days in advance of it due ; yes the withdraw from the frozen acct was declined on XXXX BUT I had PAID it on XX/XX/XXXX. I was DENIED a {$25.00} refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I went to Macy 's to make a purchase. They offered me 10 % if I apply for a credit card. So I did and I charged XXXX purchases totaling just over {$100.00}. I waited about two months and I still had not received a bill, so I went to Macy 's to put the charge on a debit card. By then they had added about {$35.00} worth of fees. I paid it all but I was so angry that I called and cancelled the card. I 'll be darned, if they did n't send me another bill for two months. How can they start charging interest before they even start sending bills? This is predatory. I essentially paid 40 % for a 10 % discount. This should not be legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Other

Complaint:
1 ) Using Citi 's online banking system I scheduled a payment to be processed on Saturday XXXX XXXX, 2016 to pay my XXXX statement in full for the amount of {$3900.00}, withdrawing the funds from my credit union. The funds were to be obtained on Monday XXXX XXXX, as Saturday was not a business day. 
2 ) On XXXX XXXX my dog died and I completely forgot to deposit the funds into my account. 
3 ) On Wednesday XXXX XXXX I realized I had made the error of not depositing enough money. I contacted Citi immediately by telephone and via the customer service representative I paid the XXXX statement in full from a different bank account, from a different bank ( not the credit union ). I thought I was doing the right thing by paying it in XXXX transaction and that by taking immediate action the debt would be resolved. I paid the XXXX statement amount in full : {$3900.00}, and my Citi account reflects that the payment was made that same day. 
4 ) Unfortunately the automatic system was not notified. On XXXX XXXX Citi 's automated system tried to withdraw the original transaction scheduled for XXXX XXXX once again, even though the statement had already been paid in full on XXXX XXXX. 
-I thought it was odd that Citi was trying to obtain the funds from my credit union since I had already paid the XXXX statement in full ; I went online and saw that when I made the payment by phone the funds actually went towards my XXXX statement, and that the XXXX statement was still in arrears. 
- I immediately spoke to a representative on the phone and he told me that it was impossible to cancel the automatic payment and that Citi would continue to try and obtain the funds from my credit union until XXXX XXXX. 
-Based on the information from the representative I immediately deposited {$3900.00} into my credit union account in anticipation that Citi would once again try to obtain the funds using the automated system. 
5 ) The evening of XXXX XXXX I received an email from Citi saying that the funds were returned as unpaid from the credit union account and that if the information was n't accurate I was to call Citi immediately at XXXX ( TTY/TDD : XXXX ). 
6 ) The morning of XXXX XXXX I phoned Citi to resolve the issue immediately ( again ) and paid by phone ( again ) the amount of {$3900.00}. 
7 ) One hour later I went to the grocery store to make a purchase and my Citi credit card was declined. 
8 ) I immediately phoned Citi and was informed that my account had been closed, even though I had just spoken one hour earlier to a representative and my account was open at the time of our conversation. 
9 ) Today XXXX XXXX I received a letter from Citi informing me my account is closed and that it can not be reopened unless I provide a letter from my bank saying the payment was returned by mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep receiving lettets stating I owe a creditor called XXXX XXXX XXXX and I have never even heard of them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While window shopping for a car deal, during my discussions with the car salesman and even the financial manager, I was specifically told that my credit report would not be pulled so that no hard inquiry would result. However, the very next day I checked my credit score and it had decreased because of XXXX hard inquiries by the car dealership. I never authorized them to pull my credit report. I have written a letter to the car dealership and have even placed a call to speak with XXXX of the financial managers. The financial manager with whom I spoke told me that he was going to investigate. It has been over a week and nothing has been resolved. The XXXX hard inquiries still show up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Investigation took more than 30 days

Complaint:
I sent a letter to Equifax on XX/XX/2022 as shown on the letter attachment below to remove the inaccurate hard inquiries from my credit report with a copy of an FTC report and 2 forms of identification, it's been over 30 days and Equifax has not reached out to me regarding anything, no mail and no call, I'm human and a real person I just feel like I'm not being treated fair and Equifax is acting like they are not govern by laws, I have the right to privacy under 15 USC 1681 AND I HAVE NOT GIVEN ANYONE WRITTEN PERMISSION TO FURNISH THESE INQUIRES I demand they be removed, 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I opened a credit card XXXX years ago with CITI. They promised to give me XXXX for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month

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 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Over the last 12 months I have sent multiple letters to Transunion stating XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX took the tax credit once this account was written off. 

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