BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor Name IC SYSTEMS is incorrect as I have never signed an application with any company named IC Systems, There was an account I paid off that was a XXXX account it was posted on the XXXX account as XXXX and then as XXXX/XXXX/XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to XXXX Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.

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 2023-04-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My funds were held from Wells Fargo and it caused me to be late on a rent payment.

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 2017-02-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In XXXX of XXXX a fraudulent application for a loan was made with my personal information online. One main financial contacted me by phone to ask me to come into their office to fill our paperwork to complete the process. I informed them that I did not apply for a loan with them in XX/XX/XXXX. 

The person I spoke with said they would stop the loan process. They also informed me that I needed to send them a letter so they could delete the fraudulent inquiry from my credit report. I sent the letter to them in XX/XX/XXXX. 

They sent a letter back basically saying because it was an online application that they would not delete the inquiry. That makes no sense. I told them it was not me at the time this happened. My credit is suffering because of something I had nothing to do with. 

I am attaching my initial letter to them - their response letter - and a notice from XXXX where I alerted them that this was not me applying for the loan online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
On XX/XX/2023, I contacted TransUnion concerning some unauthorized hard inquiries that I found on my credit report. 

I mailed the enclosed letter by way of certified mail and it was received by the bureau on XX/XX/2023, XXXXXXXX XXXX as shown by the attachments to this letter. 

It has been over a month now, and no acknowledgement nor resolution was ever received back from the bureau in clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We, like most, have been severely impacted by the COVID-19 pandemic. We both are currently out of work due to the National Guidelines, as well as our state mandated and city mandated orders to stay home. 

We live in XXXX XXXX, Florida which most of our economy is generated through tourism. I am a XXXX XXXX ( we use no personal protective equipment ), and the other person on the mortgage is a small business owner ( XXXX XXXX XXXX ). We have zero  income coming in. Besides the problems with filing for unemployment in the state of Florida, we are both XXXX XXXX and 1099.  

I called Lakeview Loan Servicing LLC, with subservicing by XXXX on XX/XX/ 2020 at XXXXXXXX ( XXXX ). I spoke with Customer Service regarding our mortgage, about being out of work, the forced closure of business and our town. They literally have put up a roadblock at the top of the Florida XXXX and are only allowing residents in. I told them we had zero money coming in and they only offer a forbearance. 

The problem with the forebearance that they offer, however, is that at the end of the forebearance period ( 3-6 months ) any unpaid payments will become due at the end of the forebearance period. I'm not sure how they expect people to come up with that kind of money with zero income coming in at no fault of our own. I thought they would at least offer to put the months in forbearance at the end of the loan. 

This type of behavior with a {$22000.00} balloon by our lender and their servicer is predatory and setting us up to fail and lose our home.

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 2023-03-02
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: Information belongs to someone else

Complaint:
I sent a letter on XXXX XXXX XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX : {$14000.00} XXXX XXXX* Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX Balance XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 non-monetary relief
Consumer complaint received 2020-04-06
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not owed.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-01
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:
I have acquired my credit report and have noticed multiple fraudulent accounts that are reporting on my file from identity theft. After my discovery I have reached out to the credit bureaus XXXX, XXXX and transunion to dispute this matter and to check and make sure everything is complete and accurate and to notify them of the accounts that are reflecting on my file from identify theft and requested an immediate freeze on my accounts as well as to update my personal information on XXXX XXXX and XXXX XXXX. I also informed the credit bureaus that I have file an FTC complaint on XX/XX/2003 ( FTC Report number : XXXX ) regarding this matter and that the account be removed and block from reporting to my credit report according to 15 US Code 1681c- 2 - Block of information resulting in identity theft. 
BLOCK except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of -- -

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 2023-03-02
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Information belongs to someone else

Complaint:
After reviewing my credit report i found out that i have a big dept from a student loan under my name which as given in XX/XX/2019 for a total amount of {$30000.00}. 

I am requesting for this information to be removed from my credit report as soon as possible because it is affecting me. I have never recieved a student loan. This is a result of identity theft and i need this to be taken of my credit. 

Please block and delete any information on my credit report, persuant to section 605B of the fair credit report act, and send the requiered notifications to all furnishers of this 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 explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 Navy Federal Credit Union Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
American Express : On XX/XX/XXXX I requested a credit for an overpayment to my card. {$900.00} would be refunded to me by check to be delivered by mail. I chatted with customer service to initiate this : Depute : XXXX On XX/XX/XXXX I had requested an update with American Express about the check being issued. In which they told me an new check can be cut and expedited to me. I made several phone inquiries about the check as well. On XX/XX/XXXX, Amex issued a letter that said that the refund check was cashed. I did not personally cash that check, The check says " pay to the order of ( unreadable name ) '' and a forged signature. 
Posting date of XX/XX/XXXX. Included in the response, was a affidavit of forgery to fill out that I did indeed fill, notarized and sent in. 

Dispute XXXX On XX/XX/XXXX, I called in to see what the situation was with my check, I was assured that the balance will be credited back to me by multiple reps at this point. However, when I called they said they had not received affidavit of forgery. 
In which I had to fill, sign and notarize a 2nd Affidavit of forgery to for my missing money. 

Dispute : XXXX On XX/XX/XXXX I received a message of receipt of my affidavit and that they will investigate. 

Dispute : XXXX XX/XX/XXXX Still no resolution and I've been without {$900.00} for 6 months. 
On XX/XX/XXXX I filed a complaint to the CFPB, and received a form to be sent in to The collections Fraud Packet CFBP Ref No : XXXX-XXXX It filled it, faxed a copy into the stated line, AND sent in the filled packet by certified mail. Received XX/XX/XXXX signed by XXXX XXXX. I believe there was a corresponding case XXXX for it. 
I also resent in a signed affidavit of forgery, for the inquiry. 

On XX/XX/XXXX, I put in an inquiry on the status of the everything. I was told that status wasnt available. Case XXXX On XX/XX/XXXX AFTER the 6th month investigations should have been cleared I called in again, and after about 40minutes worth of hold time total, the service member advised that again, there is no update on any of it. Case : XXXX I have requested to speak with a supervisor on 3 separate occasions including XXXX, all three times I was assured a supervisor would return my call and NONE have been returned. I have failed to be given any resolution on every step of the way, and I have been with out {$900.00} for an entire year, which has been a great financial burden. I request that my account just be immediately be credited for the amount, so I may finally get resolution to an issue Ive been dealing with for over an entire year. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I found inquiries on my credit report that do not belong 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened and funded a savings account and a checking account with Citibank based on an offer I received promising a {$1500.00} bonus to do so. 

The accounts were opened on XX/XX/XXXX. The accounts were funded by XX/XX/XXXX. I believe that all the conditions of the offer were met. No bonus was ever received. 

On XX/XX/XXXX, I had a telephone call with my Citi account representative, XXXX XXXX, about the missing bonus. She requested that I e-mail documentation about the offer to her. 

That day, XX/XX/XXXX, I sent the requested e-mail to XXXX XXXX, including attachments describing the offer and the bonus. 

After hearing nothing, I sent a follow up e-mail to XXXX XXXX on XX/XX/XXXX requesting a status update. 

After no response, I sent a letter via USPS to Citigold Client Services on XX/XX/XXXX requesting a status update. 

To date, I have had no response from Citi, and have not received the bonus for opening and funding the accounts.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TRANSUNION Is reporting an Outstanding Student Loan. I have no OUTSTANDING STUDENT LOANS. 
Please for the love of God, Correct this matter.. 
You are too busy destroying the lives of hard working individuals,

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