BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this complaint against XXXX, Experian and XXXX for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.

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 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, Bank of America in XXXX California ( I was and live in Mass ) withdrew {$1000.00} by a Teller. I am unable to see of transactions, ATM, Check or Cash Withdrawal. That day my cellphone and Banks accounts were taken over by some type of fraud. I was able to lock down my credit card accounts but not my checking account in time, which resulted in {$1000.00} cash withdrawal. I filed a fraud complaint with BOA and changed all my accounts within two hours on XX/XX/XXXX. BOA had held back the {$1000.00} since XX/XX/XXXX. 

I have been following up since XX/XX/XXXX in an attempt to be reimbursed for the {$1000.00}. I have called almost every week. This morning I was told I must wait 90 BUSINESS days for BOA investigation completion before any type of reimbursement. 

BOA is a bully and I feel horrible for any family that lives paycheck to paycheck and would have this {$1000.00} held back from a family. Just recently BOA was fine {$220.00} million for freezing customers account with a faulty fraud detection program. Clearly BOA targets those of society that have little or no voice. 

I respectfully request the federal government to investigate BOA fraud policies for the sake of those that are living paycheck to paycheck. 

How can this possibility take 90 days for investigate? I must wait until approximately XX/XX/XXXX for BOA to conclude their investigation? I am stunned into silence that the sixth largest American company needs 90 business days to determine that their company gave away my funds out in California. 

I respectfully request Consumer Finance advocate for the same account owners of Bank of America

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 2016-05-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am being harrassed by Navient about a student loan. I filed bankruptcy and this loan was put on hold. Since coming out of bankruptcy, I receive calls twice a day about my student loan. I have contacted the company and told them I can not pay what they want monthly. I am sending payments according to my finances. I am a senior citizen and am on a fixed income with a lot of medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I opened a Citi Gold checking account online through the Citi website on XXXX XXXX, 2016. During the enrollment for the checking account, I entered the promo code " XXXX '' in order to receive XXXX XXXX XXXX points as a bonus after fulfilling the minimum requirements. After reaching the minimum requirements, on XXXX XXXX, 2016, I reached out to the customer service online chat to confirm. The customer service representative confirmed that I had reached the requirements and that I should be receiving the bonus in my account within 90 days with a confirmation email. I had done confirmed with XXXX separate online customer representatives After not receiving any confirmation email after one month of waiting, I called citi customer service on three separate occasions to find out about the situation and they had stated that I would need to continue to wait for the bonus to arrive. After not receiving any confirmation from Citibank, I then asked to speak to the customer service manager and he mentioned that I would not be eligible for the bonus. 

I have researched online that many Citigold customers are receiving the same issue without receiving a confirmation or their bonus. I have attached a screenshot of one of the secure messages with a Citibank customer service rep. Please help me regarding this situation, I was planning to use these points for my honeymoon and it would help a great deal financially, thank you.

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 2020-06-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

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 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 2021-08-29
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:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
I received a bill from Citi XXXX XXXX showing a charge for new purchases in the amount of {$870.00}. As I use this card for my solar billing and my automobile insurance only, I could n't understand why it was so high. I also noticed that I was being charged interest in the sum of {$7.00} I immediately called Citi Simplicity and asked why my bill was so high and why was I being charged interest. I was told that I did n't pay my XXXX bill. I explained that the only reason I would't have paid my bill was if I did n't receive it. I told them they could and should check my history and they would see that I paid all my bills on time and in full. They did that and said they would credit back the interest as they saw that I did pay my bills on time and in full. I then paid the XXXX bill in the full amount of {$870.00} which was received on XXXX/XXXX/16. I have now received my XXXX bill and not only have I been charged interest on XXXX/XXXX/16 but my purchases total {$460.00} and it shows the New Balance as {$460.00}. I called and spoke with XXXX in Florida to see why I was being charged interest and why they added {$.00} to my bill. XXXX said that they charge 2 months interest, 1 month when they did n't receive payment and a second months for the carry over. I attempted to explain to XXXX that I should n't be charged interest as I should n't have been charged interest in the first place as I never received the bill. When I could n't get through to him, I requested to speak with a Supervisor. He told me that there were none available. He would fill out a form to have a Supervisor call me back but I have yet to hear from anyone. However he never attempted to explain why they were charging me an additional {$.00}. Maybe I 'm wrong but adding {$.00} to my bill would seem illegal or fraudulent to 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 monetary relief
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Macy 's cashed my ck # XXXX for {$1300.00} on XXXX/XXXX/2016 the last XXXX digits of my account was written on the check. As of XXXX/XXXX/16 Macys has not applied the payment to my account. I faxed a clear copy of the front and back of the check on XXXX/XXXX/16 XXXX. I am told that it will take 2 billing cycles for them to look into and correct. I am asked to still make a min payment even though the check will pay more than what is currently charged on the account. I have reached out to Macy 's through the secure email on the credit card for some kind of status update on the research and no feedback has been provided.

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 2019-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy incorrectly showing on my consumer report with Experian. The court listed on the report does not exist. I have called the courts in my city, they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, bc I placed a security freeze on my XXXX file on XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy 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 explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 - placed order to XXXX  XXXX - {$230.00} Received wrong part - unable to secure return info XX/XX/2020 Filed dispute with XXXX XXXX - provided conditional credit XX/XX/2020 Parts direct said they had not received return ( I awaited return instructions, and XXXX reversed credit. 
XX/XX/2020 Part received back at XXXX  XXXX  - XX/XX/2020 XXXX  XXXX  issue credit for {$220.00} - XX/XX/2020 XXXX bank says they did not receive credit and XXXX  XXXX  says their transaction detail states the credit went through XX/XX/2020 XXXX says to contact XXXX  XXXX  to issue new credit and XXXX  XXXX  says they can not because this account has come to " XXXX  '' due to charge and credit back.

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 2020-06-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

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 2019-12-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
HELLO HOW ARE YOU, I AM FORGIVENESS FOR MY Desperate ANNOYMENT, BUT ALREADY CALLED ALL THESE COMPANIES TO REPORT THAT THE CONSULTATIONS IN MY CREDIT REPORT ARE INQUIRES FRAUDULENT, THE COMPANIES ASKED ME TO CALL THE CREDIT AGENCIES AND NOTIFY THIS PERIOD TO INFORM YOU THAT YOU CAN REMOVE THESE CONSULTATIONS FROM MY CREDIT REPORT AS THEY ARE FRAUDULENT CONSULTATIONS, IT IS NOT THE FIRST TIME I WRITTEN BY THIS MEDIA ALREADY HAVE BEEN TOO MANY CONSULTATIONS IN THE PAST, AND HELPED ME TO REMOVE THESE CONSULTATIONS PLEASE HELP ME ELIMINATE THE INQUIRES AND UPDATE MY CREDIT INFORMATION

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 2017-05-20
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed in my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton  611 ( 5 ) ( A ) of the FCRA - t hey are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.     Thank You

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 2020-06-15
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Suntrust bank instead of waiving and nsf fee as requested provided temporary relief and then charged the fees 30 days later. This was not explained on the phone at the time but was outlined in a letter sent out 2 weeks after the discussion. On XX/XX/2020 they charged by checking account XXXX. I was on hold for 45 minutes waiting to speak to a supervisor with the customer service number and gave up. I then walked into the XXXX branch XXXX, TN and spoke to XXXX. He said he also could not waive the fee and offered the 800 number I was just on. I then asked for the legal department phone number because I receive VA XXXX and those funds are exempt from garnishment and collection attempts. I'm filing a complaint to have all NSF fees charged to the my account during the life of this account opened to be refunded XXXX US Code 5301.

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 2020-06-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
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 have tried numerous times to get a late reporting removed from my credit on an account that was paid in full 4 years ago, XX/XX/XXXX with BB & T with a high balance of {$59000.00}. I have made numerous calls to them directly, letters, and disputes with credit agencies.

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 2015-10-25
Company: Navient Solutions, LLC.
State: LA
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:
I have made several additional payments to Navient on my student loan. I elected to have these payments applied to the loan principle. I noticed that on at least XXXX occasions these payments were applied entirely, or partially, to interest. When I contacted Navient they told me this was done because the loan was past due, which was not true. It clearly states on the payment history that there were not late payments, as my minimum payment is automatically drafted out of my checking account each month. I pointed out that I could see at least XXXX consecutive payments prior to XXXX such occurrence of the payment being misapplied. After I was lied to by the representative, I requested to speak with a supervisor. The representative originally denied my request, but eventually connected me to a supervisor who informed me that she was unable to even see the additional payments on her system. The supervisor identified herself as XXXX # XXXX on XXXX/XXXX/15. I took screenshots and emailed them to her, and she acknowledged receipt of the images and stated that she would look into these payments and follow up with me when it was resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-07-21
Company: EQUIFAX, INC.
State: WA
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  Account # XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: NC
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 sent a notarized dispute letter to Experian, asking them how did they validate not verify this chapter XXXX bankruptcy that was showing it was discharged on my credit report, only after I sent a letter to the UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF NORTH CAROLINA asking if they furnished information to 3rd parties, their response was we dont furnish information to credit bureaus, so therefore thats a violation of the FCRA by Experian, because this bankruptcy was verified by the credit bureau through a 3rd party like the PACER system and not the original furnisher of this account. Experian is still reporting this bankruptcy on my credit report, even after I sent a dispute letter to them with a copy from the UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF NORTH CAROLINA, stating that they dont furnish information to 3rd parties.

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