BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Citbank Home Depot account has been closed for several years. As it is closed I am not able to pay online, in the store, or by automated phone process. As a result I must mail in my payments and I believe Citibank is delaying the process intentionally. 

Recent examples : On XX/XX/21 I mailed a check in the amount of {$35.00} to THD with the envelope and payment stub provided. The due date was XX/XX/21. THD deposited the check on XX/XX/21 and it cleared my bank on XX/XX/21. I was charged a {$35.00} late fee. XXXX from XXXX, OR to XXXX, AZ should not take 15 DAYS! 

On XX/XX/21 I noticed that once again my check hadn't cleared my bank. When I called for assistance I learned that a collection agency was handling my account. I was also advised that my monthly payment isn't {$35.00} as listed on my statement. It's actually {$71.00} per month and I was behind. I made payment by phone to the collection agency in amount of {$130.00}. It cleared my bank on XX/XX/21. 

On XX/XX/21 I mailed a check in the amount of {$60.00} to THD with the envelope and payment stub included. It was stamped received by THD on XX/XX/21 and cleared my bank on XX/XX/21. The collection agency had no record of this payment when I called. Again, it shouldn't take 20 DAYS for mail to go from XXXX, OR to XXXX, AZ! 

I received my statement today and received another {$35.00} late fee and a bill for {$130.00} due by XX/XX/21 - which I'm certain will be late regardless of when I mail it given the recent trends. 

I'm convinced my checks are not processed in a timely manner and are being pulled for special handling resulting in a delay and more late fees for me. 

In addition, I was never advised a collection agency was handling the payments, nor have I received any billings from them. 

This entire situation is set up to make it impossible for me to pay on time and they are stealing from me through late fees caused by their own hand.

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 2021-01-19
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I learned of a poor FICA score from rating agencies. This poor rating was largely the result of a report from Citibank, with which I used to have a credit card. According to Citibank, my XX/XX/XXXX statement shows that my credit card was used for a purchase of {$15.00}. 
I have no recollection of this purchase. Indeed, I had moved to XXXX in XX/XX/XXXX and was still living there at the time of this purchase, so I can't imagine why I would have bought anything. 
Citibank added to this original charge various penalties and fees, so that as of XX/XX/XXXX the debt totaled around {$130.00}. Citibank alleges that prior to closing the account that same month, it was sending me monthly statements via email. However, I do not recall receiving any emails from Citibank about this or any other issue while in XXXX. Moreover, a search of my email archive shows that XXXX was the last year I ever received an email from Citibank.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY XXXX XXXX Transunion consumer solutions

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 2022-05-02
Company: EQUIFAX, INC.
State: MS
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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: NV
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:
- in XX/XX/2020, I called XXXX Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. 
- they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. 
- unfortunately, the buyers had to delay the close by XXXX week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. 

- I have called repeated times to XXXX Mortgage and have written to their XXXX department but they have rejected my pleas. 

- I was never afforded a 30 day leeway to resolve this issue. 
- I have never missed a mortgage payment in 10 years with XXXX Mortgage. 
- My XXXX XXXX plummeted and I need to get a loan to pay bills due to XXXX pandemic. PLEASE HELP!

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 2021-03-04
Company: EQUIFAX, INC.
State: AL
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 LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXX XXXX agency continues to violate my rights according to XXXX XXXX XXXX. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX is still based on incorrect usage %, incorrect balances and incorrect credit limit. XXXX has been submitted and they still have done damage by inaccurate 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 explanation
Consumer complaint received 2021-02-27
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
During the last week in XX/XX/2019 -- just a day after making a deposit on my Bluebird Amex Prepaid money card I noticed that funds were missing within the account. I began to panic -- immediately calling customer service, looking over transactions, etc. 

A skimmed event perhaps, they pulled out approximately : {$120.00} dollars from an ATM at XXXX XXXX station in XXXX XXXX XXXX MN. 

The customer service team at their offshore center was not very obliged nor friendly when mentioning my card being breached, and funds were missing. They wanted to connect with my money account with Aspirations bank, to verify that the account was mine. Failed a connection. Several calls were made throughout the year, an FTC report was made and included in an identity theft report with the XXXX Police department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Regarding two accounts on my credit bureau reports from one reporting entity : The entity reporting is Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 

Account # 1 involves a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1800.00}. This account was settled on XX/XX/XXXX for {$1000.00}. Since then I have been making regular monthly payments. My current balance is {$280.00}, with another payment of {$95.00} due on XX/XX/XXXX. 

Account # 2 is also a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1500.00}. This account was also settled on XX/XX/XXXX for {$870.00}. Since then I have also been making regular monthly payments to Portfolio Recovery Associates on that account. My remaining balance is {$740.00}, with another payment due to that account on XX/XX/XXXX. 

I have contacted Portfolio Recovery Associates three times in the past year. Each time I was told that there was nothing " inappropriate '' about the company 's reporting. During our last conversation this past XXXX, I pointed out that my debts were " purchased '' in XX/XX/XXXX ; and reminded the representative of the settlements reached in XX/XX/XXXX. But when I asked why the company started erroneously reporting what I owed more than three months after those settlement agreements, I was rudely informed that if I " had a problem with the company 's reporting '' that I " could always hire legal counsel ''. With all due respect, I found that offensive. 

Since then I wrote to all three national credit bureaus with a dispute. Each one replied that my dispute " Meets FCRA Requirements '' ; after which my credit scores rose dramatically. Within days, however, my scores dropped back to their previous levels. Each of the three credit bureaus changed my status from " Meets FCRA Requirements '' to " Dispute Resolved, Consumer Disagrees '' ; even though, however, there was no follow-up between me and any of the three credit bureaus.

As a frontline healthcare worker, I had my full-time status changed last XXXX to " per diem ''. In XXXX of last year, my employment status was elevated to " part time ''. Despite my changes of income status, however, my monthly payments to both of the above accounts has consistently remained on time. Account # 1 will be paid in full as agreed on XX/XX/XXXX. Account # 2 will be paid in full by the end of this year as agreed. I therefore feel inappropriately targeted for debts that I am settling as agreed. 

Thank you in advance for your understanding. I await your determination and reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: GA
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 investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY Experian XXXX XXXX consumer solutions

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 2017-10-16
Company: Experian Information Solutions Inc.
State: TX
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:
Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies (  XXXX XXXX, XXXX and Experian ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by Experian. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what Experian claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of XXXX XXXX, XXXX and Experian failed to stop or discourage XXXXXXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by XXXX XXXX, XXXX and Experian.

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 2021-12-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I have been on the Experian web site as a member for years now. The past year or so I have been watching closer as to what the outcome is and the ups and downs of my score. 
Tonight is XXXX 2021, I applied for 3 credit cards. XXXX said the reason I was Denied was because I have a XXXX score. 
Experian told me I have a XXXX score. just now I still would not have got the card but a few weeks ago when I looked it said I had a XXXX score. 
Is this the way it is? Up and down all the time. It is XXXX XXXX. 
It should change once or twice a year. 
And why do they tell people a lower score than my incredibly low score. Can you change this to a twice a year like XX/XX/XXXX and XX/XX/XXXX each year. Give people some thing to shoot for. 
The way it is not logical. Thanks for your time. 
Please ask experian why they tell me XXXX and XXXX XXXX Unable to contact them. 
Thank You 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 2017-10-16
Company: WELLS FARGO & COMPANY
State: NV
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 opened an unsecured personal line of credit On XXXX XXXX, XXXX. The line was used off an on and when the brunt of the financial crisis hit I had to utilize it to get by. Needless to say the balance was maxed out at {$16000.00} and I did not have the means to repay, which I have completely owned. 

The last activity on this account was a payment made on XXXX XXXX, XXXX and the account shows as closed since XXXX XXXX, XXXX. Furthermore, on XXXX XXXX, XXXX Wells Fargo officially canceled the debt and issued a 1099 ( c ) for the account for which I had to recognize it as income and pay through the IRS that year. 

The issue at hand is that WF Bank, on a monthly basis, continues to report this account as a new charge off with a " Balance '', " Past Due Amount '', and " High Balance '' of {$17000.00}. It is required the lenders provide accurate, up to date, and correct information to the credit bureaus. WF Bank is clearly reporting inaccurate information where they should be reporting aany balance on this LOC as {$0.00} and the reporting of a " Charge Off '' should only be reflecting as a charge off since XXXX XXXX and not a newly charged off account each month. 

I he contacted WF Banks " Consumer Credit Solutions Credit Bureau Dispute Resolution '' department on multiple occasions to have this rectified with zero response. I further contacted the Senior Executive VP of consumer lending for WF to illicit some response to my request by which I received none. This seems to XXXX my last hope that this incorrect information can be rectified.

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 2021-04-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been calling and emailing Navient regarding a {$20000.00} loan amount owed from a college that closed due to fraudulent activity. 
Dates of communication : XX/XX/21 XX/XX/21 XX/XX/21 Repeatedly requested having loan information and what school each loan applies to mailed to me with very little response. 
They listed an incorrect school on one of the loans - one I have not even attended so I wanted a paper copy. 
The school has been closed for years and was scamming students like me. I do not feel I owe any more money for a degree that is now tainted by association.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company contacted my family member and discussed my debt. I have a text message from an non blood related uncle discussing my account number and balance and pay off options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
N accordance with the Fair Credit report Act XXXX  account XXXX XXXX XXXX  has violated my rights. 

15U.S.C 1681Section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also Stata consumer reporting agency can not furnish an account without my instructions

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 2020-04-22
Company: CITIZENS FINANCIAL GROUP, 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:
Citizens One auto Finance reporting a 30 day late payment on XX/XX/2013. I called Citizens One Auto finance and spoke with someone in their credit department. I was told that the account in question was too old and has been closed. I was wanting details on this late payment they are reporting. I was told that they would be contacting me and refuse to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: MA
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:
Equifax told me that the bankruptcy information that they are reporting on my credit file was provided to them by the XXXX  house but that isnt true, I called the XXXXhouse and they told me that they do not provide any XXXX information to any of the credit bureaus, now for some reason, equifax keeps telling me that they have been able to verify this XXXX  if that is true then I would like the name of the person that they spoke to at the XXXXhouse and also the phone number of the same person, I would also like equifax to provide me with any information that they have from the XXXX house, proving that they provided this XXXX  information to them. I received a letter from the courthouse that tells me equifax is lying when they tell me that they have verified the XXXX

Company response to consumer: Closed with explanation