BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Investigation Investigation Request Letter To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. I would like if you can investigate all these hard inquires on Transunion, XXXX, XXXX Transunion has 12 hard inquires that i can only voucher for 6 and the other are fraudulent XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please these are fraudulent inquires please remove from 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 2023-02-17
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: Personal information incorrect

Complaint:
Improper spelling of my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : As XXXX  XXXX  in New Jersey During this COVID-19, we are having a financial hardship to pay our mortgage as our XXXX  were abruptly forced to stop doing XXXX XXXX XXXX XXXX  and XXXX XXXX and XXXX  are not cutting for us. 

Our motgage company name Mr.Cooper is not willing to work with us, when called them they threatened us to report to credit bureau and are suggesting that they do not have any plans as of yet to put halt on our mortgage payments. 

During this process, as struggling XXXX XXXX we want to make sure that our credit stays intact, as to rewstablish our XXXX  when this scare is over we will need all the resources available to us to start our XXXX  again. 

Please help us defer our mortgage payments through this company, as most of the lending companies have already done this. Your help is much needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have an existing Citibank card. I got a XXXX card. I tried to add the XXXX card to my Citibank account. I was told that I could not add it to my account because the names did not match. I was told that in order to add the XXXX card to my Citibank account, I would have to remove my preferred name from the XXXX card, which would require faxing or mailing in proof of identity and getting a whole new card.

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 2018-02-02
Company: BARCLAYS BANK DELAWARE
State: NY
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:
There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell XXXX  to remove the following the hard pulls as I did not authorize them. XXXX also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/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 2023-10-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company is reporting incorrect information and will not delete it from the credit report, I have sent serval letters and shown proof that the information is incorrect but they keep coming back saying verified. I have a copy of the laws that the companies are breaking and will submit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: GLA Collection Company, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with GLA Collection Company. 

Additionally, I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to third party, GLA Collection Company. 

Please provide me with a breakdown of all charges, dates of service, and procedures given with the fees associated along with my signature and consent to release private health information. 

Please advise that withholding full documentation you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect GLA Collection Company to be removed from my credit report. 

All Accounts are listed below : GLA Collection Company GLA Collection Company Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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:
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

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 2020-05-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I bought a garment for {$35.00} from Old Navy store in XX/XX/2019. The cashier made an offer that if I apply for their credit card from Synchrony Bank, I shall get a good discount and I accepted the offer. After many months, I received a statement in mail with a total outstanding amount of {$190.00}. I did not recognize these charges and requested the company to provide me the original purchase details. After many weeks, I got a statement that showed that the amount relates to my original purchase of {$35.00} and the remaining balance is their monthly late fee of {$30.00} per month. I immediately paid the original amount of {$35.00} and called the company to reverse their illegitimate late fee charges. They have not yet done that and have also reported my account to the credit reporting agency as " delinquent ''.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-04
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have requested the repayments already made on the student loan debt and received a generic reply from Nelnet that this is being worked on. I have not received the requested information after several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I obtained a loan for {$2600.00} because I was desperately in need. The loan originated in XX/XX/2019. The interest rate of the loan is 219.08 %. To this date, I have paid {$2300.00} and still have a balance of {$920.00}. Because of the coronavirus, I had work reduced and I reached out to the company to request interest deferment. They refused to assist me with my request. They only offered loan payment extension which do not help because the interest keeps accumulating. I would like to see the CFBP reach out to them and ask what their procedure is for these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 send a letter and placed a call to Trans union on XX/XX/XXXX to dispute some errors on my credit report ... .the operators whom answer their XXXX are all located outside the XXXX XXXX their language skills on comprehension of the English Language are not the best and today i receive a letter saying they had put a fraud alert on my credit, when i ask for this to be removed via phone and via letter As well for the inquire XXXX XX/XX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies to be removed since i had not done, Both were follow up with a letter, nothing got done, the credit bureaus are not following the law and doing what ever they want.

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 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Early morning on Friday on XX/XX/2023, I received an email from XXXX that sent me an invoice of {$500.00}. So I called the number in the email to let them know it was a fraud. The person on the line said they would refund {$500.00} but I needed to log in my computer, typed in a portal web link XXXX XXXX XXXXXXXX and allowed an XXXX to be run on my computer. After that, it poped up a Refund Form of Federal Trade Commission to fill out the name, address and the bank link to the XXXX account. Next he asked me to login my online bank account so that they could make {$500.00} deposit back to my account as a refund. First I had to deposit {$100.00} then {$400.00}. 
Then he brought up a small black window command prompt on my screen and instructed me to type in the name, the bank and exactly {$100.00} for the first deposit. I saw on on my computer screen, my banking online account had a new deposit of {$100000.00} ( $ XXXX ) from XXXX. Instantly, he started acting panicking and asked if I could immediately go to the bank and do wire transfer back the difference to his XXXX manager account, otherwise he would lose his job. I felt so bad for him so I said Ok. 
Then he sent me an email from all the wire transfer information from his email XXXX. However the wire transfer amount only {$99000.00} ( $ XXXX ) instead of {$99000.00}. I asked him why. He said because of breaching the limit. After he received the wire transfer receipt, my desktop screen was completely frozen. I couldn't do anything with my computer. I started getting suspicious. I went to another computer and log in my online banking account that's associated with my XXXX account. The {$100000.00} ( $ XXXX ) deposit from XXXX was no longer there. Right away, I dashed back to the bank and asked for the cancellation of the wire transfer. The banker said since it already passed the 30 minutes mark, the wire transfer was already sent. I requested to recall the transfer but they didn't do it until Monday, XX/XX/2023, after I gave them a copy of my report to FBI IC3. I was informed from my bank, Bank of America, that the recipient bank, XXXX XXXX, did not refund the wire transfer money because the fund in the recipient account was already gone. So they closed my case. I filed the report to Federal Trade Commission and contacted and reported to the local Police Department of XXXX in Arizona with the address of the owner of the recipient of the wire transfer. They said they will assign a detective to look at the case.

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 2023-06-03
Company: PENTAGON FEDERAL CREDIT UNION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
They offered me a credit card with a {$200.00} bonus credit if I spent {$1500.00} dollars. As well as fairly high cash back numbers on certain purchases. 
I spent the money but instead of giving me the cash back, they gave me " bonus points '' which are not worth the {$200.00} because you can only spend them on gift cards with a huge surcharge. for instance it costs {$30.00} worth of points to puchase a prepaid " digital '' credit card with {$25.00} on it. And this card aside from being impossible to use outside the internet, expires in 6 months. Presumably the company just keeps any unspent money. 

I spoke to a XXXX. ( after 4 day of trying to contact them ) She had a horrible accent and just told me " too bad, that credit card doesnt give money back '' then refused to give me her supervisor.

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 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2019, I file a claim with Bank of America EDD Prepaid Cards for transactions that I did not make or authorized as well i notified to this institution that I was victim of identity theft on a prior call and before XX/XX/2019 I cant see whats going on my accounts, transactions etc, the reason? Because they did not send me any any statement by any form e-mail or mail. They stat mailing my statements since I report the following claims : claim number XXXX {$2500.00}, claim number XXXX {$420.00}, claim number XXXX {$150000.00}, claim number XXXX XXXX, claim number XXXX {$97.00} but from that point I cant recovery from that and BoA send me a statement said we have concluded our investigation and have determined that no error have occurred in this instance and that I am liable for unauthorized transaction ( s ). So Ill could that that but they they weren't even mailed statement ( for making sure that I have the knowledge of my transaction ( s )  thats unfair and Im supposed to have trust in this institution my funds instead be aware of them.

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 2019-09-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and was approved for a Synchrony Bank XXXX XXXX branded credit card on XX/XX/XXXX under the then promotion for XXXX XXXX Miles after a {$2000.00} spend in 90 days, and then an additional XXXX XXXX Miles after an additional {$3000.00} spend within the first 6 months of account opening. I completed the {$2000.00} spend in 90 days and received the XXXX XXXX Miles. I also completed the additional {$3000.00} spend by XX/XX/XXXX, which is about 5 months after opening the card. I never received the promotional XXXX bonus. 

I contacted XXXX Miles and XXXX XXXX, who said I would have to contact Synchrony Bank. I contacted Synchrony Bank on XX/XX/XXXX via their credit card website login message center and reported the above. They proceeded to send me multiple pieces of mail over the next few weeks stating they were looking into it, but I never received any results or the missing miles. I also emailed their general customer service XX/XX/XXXX, but never received a response. 

I have copies of all correspondence from my end, as well as the original promotional email that prompted me to sign up for this credit card.

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 2023-10-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: GOLDMAN SACHS BANK USA
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:
Goldman Sachs - Apple Credit Card : Fraudulent Charges : Refuses to refund unauthorized charges. 
In violation of The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) The account is being reported to credit agencies as late but all charges on Credit Card are due to unauthorized charges which Company refuses to provided documentation from the merchant. 

I have been requesting Documentation of resolution since XX/XX/2019, Apple Card has violated its own policy 's which state that they will provide all documentation in a timely manner when requested. 

I have contacted a requested this documentation every 2 weeks from Apple Credit Card since unauthorized charges happened.

Company response to consumer: Closed with explanation