BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charges that I wish to dispute on my Bank of America card are {$900.00} and {$99.00} per month in a total of {$290.00} both charged by a company called XXXX.I tried to contact the company directly several times and they do not return my calls or answer my calls.

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 2017-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Was informed many times to go into forbearance with my loan when I was struggling with paying for them. It took me to a point to where I had to claim bankruptcy in order to be in a position to pay for my student loans. I am currently paying on my loans now ... my balance has now exceeded over {$100000.00}. Received loans for my XXXX with University XXXX, XXXX XXXX as well as my XXXX program with XXXX University, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX XXXX account # XXXX, has violated my rights. Also, they are charging me this balance of {$540.00} when I have never received any money from them at all. 

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

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written 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 2020-06-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, I received two separate emails from citi that my credit card limit had been lowered. I have two credit cards with this bank ( One email per card ). The first email stated " Dear xxxxx, There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$4100.00}. Your current account balance is {$3900.00} '' The original limit on this card had been {$4600.00}. They lowered it down to where I was only about {$100.00} away from going over the limit. 

The other email stated : " Dear xxxxx, There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$900.00}. Your current account balance is {$870.00} '' The original limit on this card had been {$2000.00}. They lowered it down to where I was only about {$25.00} away from going over the limit. '' I have never had an account where my credit limit was lowered by a creditor and lowered to where it's within {$25.00} - {$100.00} from the limit. There have been no drastic changes to my credit history that would warrant them to do this. All payments to citi have been made on time. This is a sleezy and unfair move made by citi and will affect my credit. I will be closing my account with them after they're fully paid within a couple months.

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 2022-07-24
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: Personal information incorrect

Complaint:
Tried to get all old personal info wiped and will not do all is wrong and inaccurate. Please remove personal info. I have only applied for XXXX things in in last 3 years and it show I have over XXXX inquiries. This is not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Tried to get all old personal info wiped and will not do all is wrong and inaccurate. Please remove personal info. I have only applied for XXXX things in in last 3 years and it show I have over XXXX inquiries. This is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX on XXXX/XXXX/2015 at XXXX XXXX XXXX XXXX. I had XXXX insurance at the time of service. The claim was paid and it left a patient responsibility which I was paying on.Once I found out XXXX took the payment back from the facility, I stop paying They continued with collection practices and I am owed {$1100.00} in payments, and I sent a certified letter to the facility requesting the payments back with no response. After I sent the facility the letter requesting the refund, I was sent to collections again but to Frost Arnett. I faxed over a copy of the XXXX from XXXX with no response so far form them.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Midland credit management calls multiple times a day without identifying themselves through the call ( except once today so I finally got the company name but not the agents ), they never state if the call is being recorded agent just repeats dont hang up multiple times without ever moving on from that phrase, like they want you to hang up. Im not sure what they are trying to do, Ive tried to get past the dont hang up phrase but he never moves on. I feel like they are try to get me to fall into a trap, by using evasive tactics and never really speaking with me. Its making me uncomfortable and Im getting the feeling like Im being verbally abused without vulgar language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency Convergent is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with XXXX XXXX  for the loan. I again called Convergent who seem to think this is still my debt. I called XXXX XXXX and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.

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 2017-09-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good Morning dear CFPB I am writing about my card with citibank credit card that i had since XXXX. 

Citibank closed my account for no reason because the reason they giving me its does not make sense. They are saying o used my card rapidly which i paid off later and other inaccurate reason they are giving me, I have used my card based on my credit card agreement never went over limit never abuse my card and i have great credit rating based on XXXX, XXXX and XXXX XXXX. Low credit usage and exceptional credit. 



Closer of this account both business and personal will have really huge negative effect because it will show closed by credit grantor and my other creditors will follow same route please assist me to review and reopen my accounts Citi Costco : XXXX XXXX XXXX XXXX Citi Thank : XXXX XXXX XXXX XXXX Thank you very much

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 2017-01-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient failed to apply additional principal towards despite express instructions to do so. Navient also piled on numerous late fees despite paying on time. And, despite disputing the amount owed countless times, Navient turned my student loan over to a company - XXXX - I 've never heard and now my student loan is in default and damaging my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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: Public record information inaccurate

Complaint:
I have tried to get a response on the Chapter XXXX that is on my credit report with no response

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # 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 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 2016-01-08
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sometime in 2015 I went to see a XXXX at XXXX XXXX XXXX , XXXX about a XXXX XXXX. XXXX XXXX wanted me to XXXX for 24 hours. I informed XXXX XXXX I had no insurance and could not afford the XXXX. XXXX XXXX gave me a form to take to XXXX XXXX for patient assistance. At XXXX XXXX I spoke to a XXXX XXXX who I specifically told if there would be any cost I could not have the procedure. She told me the hospital would cover the cost. Later when I received a bill from the hospital and a bill from the XXXX I called XXXX XXXX to ask why I was receiving bills at which time she told me that the financing had not caught up with the billing and I should just ignore the bills. Now I am receiving letters from a debt collector from the XXXX. I am being told that there was a XXXX who had to read the XXXX and that was who the bill was owed to. I asked XXXX XXXX why she had not informed me there would be a bill when I had specifically told her if there was ANY cost I could not have the procedure. She told me there was nothing she could do about it. I have no income and just a small amount of money to live on that I inherited and could not justify spending any money on this procedure, which I did initially inform XXXX XXXX of. No one ever mentioned to me at any stage there would be a bill from a XXXX or that one would be involved. I would have opted out of the procedure if I had been informed. I feel I was never given the choice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I informed The consumer reporting agencies, Transunion, XXXX, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 @ XXXX Get multiple calls the last few weeks from a potential spam number every day. Finally answered it. They immediately ask me to provide a bunch of personal information for an " important financial business matter ''. They won't tell me what it is for unless I provide them with my personal information. 

After pressing the person, I did get a phone number and address that they were calling from, which links to FINANCIAL ASSET MANAGEMENT SYSTEMS , INC in XXXX, GA. 
( XXXX ) XXXX I'm assuming they are either trying to defraud me, or trying to collect bad debt from my former mother in law. Unfortunately I get pesky callers saying I was put down as a reference for her bad debt and must pay on her behalf. 

I asked to be removed from all further contact if they won't tell me why they are calling me. They stated they will keep trying to call me until I provide them with my personal details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX.18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: ONEMAIN FINANCE CORPORATION
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:
HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER ITEMS AND LATER OPENED FRAUDULENT ACCOUNTS IN MY NAME. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME, THEY WERE FRAUDULENTLY OPENED : ONE MAIN OPENED : XX/XX/19 AMT. XXXX   ONE MAIN OPENED : XX/XX/19 AMT. XXXX I HAVE ENCLOSED MY POLICE REORT AND ID THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
On XX/XX/2021 I informed The consumer reporting agencies, XXXX, XXXX, and Equifax of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: FMA Alliance, Ltd.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX I received a call on my cell phone from XXXX ( FMA Alliance ). It was marked SPAM and I ignored the call. At around XXXX pm XXXX, a collector named XXXX XXXX ( sp? ) from FMA Alliance called my XXXX son, who is XXXX XXXX, on his cell phone while he was at work and she asked for me. He texted her information to me. I returned a call to the number above and spoke with XXXX XXXX ( sp? ) who explained that they were trying to collect a debt that they bought from XXXX XXXX XXXX, XXXX who had acquired it from XXXX for XXXX XXXX 

On XXXX I sent a certified Cease and Desist letter to XXXX, Their Successors and Assigns. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX at XXXX am EST to XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Eventually their calls stopped and apparently they failed to include my letter in my file when selling it to their " Successors and Assigns '' XXXX XXXX XXXX. and then to FMA Alliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received s XXXX from a debt collector : Midland Funding LLC to appear on XXXX XXXX, XXXX for a deposition The XXXX regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The XXXX states that I must " continue in witness from day to day unless.discharged by me ''. 
This debt is XXXX XXXX XXXX and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.

Company response to consumer: Closed with explanation