BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I sent a letter to each of the three credit bureaus ( XXXX, XXXX, and TranUnion ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX  children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.

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 2022-02-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a sole proprietorship in XXXX House XXXX services. I was approved through the XXXX for a loan in the amount of XXXX. A loan i have to payback and have interest on. My account that was a personal account through chase bank, which i notified them about the deposit. It was direct deposited in the account XX/XX/XXXX or XXXX i have no access to the account for the exact date. My purse was stolen from a hotel and charges were made that i did not authorize and i was debited back the money around XXXX $ over XX/XX/2022 XX/XX/2022. I had some issues getting my bank card, I had moved out of the address they sent the card. I could not update the address because it took 30 days for there system to update. I was in between homes at the time so i was staying in hotels. I had to get withdraws from the branches in XXXX XXXX. I guess this gave them reason to close my account XX/XX/2022 I was told a cashiers check would be mailed to corrected address. It was but it was only for XXXX it was XXXX short. 
I was told to bring in documents. I took in tax returns, loan agreements, denial letters, written receipts. None of these were acceptable. in fact on XX/XX/2022 i went into branch to upload one last document, i was told they had none of my documents in there data bank. its now XX/XX/2022. I can not get a account no where and im at my wits end with this i need my money. how is this ok

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This letter is to follow up on our recent contact with you earlier this month. As we explained, we have been the victims of identity theft. It recently came to our attention that our names, home and business addresses, dates of birth and social security numbers have been used to open savings and checking accounts and to obtain pre-paid debit cards. 

Specifically, in 2016 our personal information was used to open a checking account at Capital One 360. Of note, this occurred without Capital One performing a credit check with any of the XXXX credit reporting agencies, and fraudulent email addresses and phone numbers were provided and not checked for validity. We believe these are egregious practices. We have spoken with Capital One, who has reportedly closed the account. 

We are informing you of this so that any further activity using our names and numbers without our knowledge or consent should be considered part of that identity breach. Further, we have requested that our financial institutions inform us of any activity using our names and other identifying information prior to completing any fund transfers, opening new accounts or any other financial activities. 

We are reaching out to you with this letter on advice of our legal counsel and the Oregon Attorney General 's office, and as one of several law enforcement-recommended actions. We have already notified the XXXX credit reporting agencies and our other financial institutions. We have filed official reports with our local law enforcement agencies and the Federal Trade Commission. 

Our goal is to be proactive in protecting ourselves, as well as to assist our financial institutions, law enforcement and legislators to address an apparent gap in this vulnerable system that needs immediate repair. We would like you to work with us to help stop this fraudulent activity. For instance, we believe that all banking institutions should be required to perform and document a formal credit check, as a matter of legal record, in order to open a new account of any kind and to double check the validity of email and phone information provided. 

The Oregon Attorney General 's office has advised us to be in constant contact with our financial institutions as we do our part to monitor this situation closely. Needless to say, the more cooperation there is between stakeholders, the more likely criminal behavior such as this can be dealt with effectively toward a just resolution. We have requested that our accounts have a notation documenting this identity breach. We have changed our passwords, added an additional security " code word '' and initiated Voice Print identification to our accounts. 

Any further suggestions for additional actions we can take toward protecting ourselves would be appreciated. 

Thank you so much for your good work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: NY
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:
I had this Best Buy card a while ago by best buy. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated

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 2022-07-09
Company: Experian Information Solutions Inc.
State: LA
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:
So I sent a letter off on XX/XX/2022 and her is my tracking number XXXX through USPS and was delivered on XX/XX/2022 at XXXX. According to the Fair Credit Reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not to supposed to share my information to third party people.

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 2021-08-24
Company: CAINE & WEINER COMPANY, INC.
State: NV
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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: TN
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:
There are many mistakes appear in my report without my understanding.

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 2018-03-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After hours XXXX XXXX skip traced and called our neighbor giving our full name, company name, and stating they were trying to obtain a collection of debt. When we called to tell them not to do that ever again they tried to bully us into a settlement and also threatened legal action against us if we didn't pay then and there. They also discussed all accounts associated with XXXX including my wife which I am not an authorized user on. We have also joined a debt consolidation program who has contacted them about making payments so they should NEVER have reached out to strangers or us and gave our information out or tried to scare us into paying them extra on top of that program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My current loan servicer is Navient and I believe that I have been failed by the company during the repayment process of both my federal and private loans. Some issues include : 1. I had to set up automatic loan repayment on 4 separate occasions. Each time I thought that the auto payment had been set up Navient sent me a confirmation but when the loan was due they did not withdraw payments. This resulted in 3 late payments that are now recorded on my credit score as well as interfered with my loan+interest payoff. When I asked for an explanation they said it was the fault of my bank. 

2. I had called Navient with multiple requests to lower payments and refinance. I was never given the option to lower a payment and was told I was not able to refinance or consolidate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: SLM CORPORATION
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to get my private student loan payments reduced for some time now, I am a single mother of XXXX and can not afford the now $ XXXX month payment. I have requested to the company many time to see if I could get some sort of income based repayment option, but have been repeatedly told there is nothing they can do for me but put my account in forbearance. I have submitted a complaint here before and the only outcome from the company was to call me and tell me again that there was nothing they could do for me because of me having my account in forbearance, my account is up to date and not showing any hardship. The employee stated to me that the company " might '' be able to help me if I let my account fall past due, because only then would it show a hardship and they " might '' be able to lower the payments a little bit. I stated to the employee that I would not default on a loan and the employee told me not to worry about it because they do n't report it to my credit report for 60 days and " hopefully '' they would have been able to do something before then. I again stated I would not default on my loan and the employee stated then there was really nothing else they could do for me. When I got upset that the employee was telling me to default on my loan the employee stated several times that as a company they could not suggest I default on my loan, when I stated that he had just told me it was the only way I " might '' be able to get the payments lowered he stated again as a company we can not suggest you default on a loan but yes the only way to possibly get a payment reduction is to have the account showing hardship like being past due. The employee than stated that when I accepted the loan I signed an agreement to pay back the loan and that I had to be held to that agreement. I stated to the employee that I fully understood what I agreed to and that I had every intention on paying the loan back all I am requesting is lower payments. The employee informed me that they did not have to offer income base repayment options because they are a private loan company. Nothing came of the conversation and I again had to put my loan in forbearance this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no 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 2017-01-24
Company: CITIBANK, N.A.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I applied for a credit card with Best Buy to buy a washer and dryer with 0 % financing. I calculated my monthly payment and made my first one and set up an auto deduction from my bank account. However, they never sent me the actual credit card and they never implemented the autodeduction. I called multiple times to get the credit card, they never sent one. They also never notified me that they were n't taking the monthly payment for my debt. After 3 months I finally receive a letter indicating that my account is closed and they 're reporting me to the credit bureau. I had perfect credit until this time. We sorted out that they had failed to properly implement the auto deduct and I immediately paid them what was needed. Even after acknowledging their mistake they refused to remove this info from my credit report. My account has been paid in full and I owe them nothing, but my credit was severely damaged. Can you help get them to take it off my credit report?

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 2022-07-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2015-04-10
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has called my family and I about a payday loan. They have used profanity and threatened to take money from us. They even called my sister and harassed her and told her info about herself that they were never given by my sister. They call from various numbers all day every day. They tell us they are gon na have papers delivered to our place of employment or residence. We have received nothing in writing to this affect. The original copy has sold my information to various other companies and now all of them are trying to scam my family and I.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft and in 2019 I requested that Equifax block certain information on my credit report in accordance with the FCRA - they complied. However, Now I have a code on my credit file status " Fraud Victim ( associated with trade ) ''. This is not an initial fraud or extended fraud alert. It is something else and I will attach my report to show you. 
This Credit File Status makes it impossible for me to even get a a bank account. My report does not list any normal fraud alerts just this odd status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Rewards

Complaint:
I applied for the Citi XXXX Visa XXXX card in late XXXX 2016 under an advertised promotion to earn XXXX XXXX bonus points after making {$2000.00} in purchases within 3 months of account opening. After completing the required spending in two months, the points were not credited. On XXXX, Citi responded to my inquiry via email pointing to the current language on the company 's website stating the promotion is not available to existing Citi cardholders. The exclusion language was not on the Citi 's website or card 's terms and condition when I applied for the card. I responded to customer service and offer to mail/fax/email in screenshots of the promotional offer and terms and condition captured at the time I submitted the card application. Citi still would not honor the promotion with the screenshots stating the current language on their website override all previous offers. I called customer service on XXXX/XXXX/16 and spoke with an associate and a manager. Both reference the same current website language and ignore the previous offer. The manager XXXX XXXX XXXX XXXX even stated that he believed me when I said the language may be missing from the website at the time the application was submitted but the 24 months exclusion have always been the rule for the more than 5 years since we work at Citi. If the exclusion language was not present when the application was submitted, I should receive the promotion offer and should not be subjected to new terms and conditions that were displayed after the account was created. Citi is reneging on the original offer with recently added terms and conditions.

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