BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2020-08-12
Company: Nelnet, Inc.
State: PA
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 have a loan with XXXX XXXX XXXX XXXX XXXX, and NELNET LOAN SERVICES. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and NELNET LOAN SERVICES with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Navient Solutions, LLC.
State: PA
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 have a loan with XXXX XXXX XXXX XXXX, NAVIENT, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NAVIENT, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: IL
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: PA
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 have a loan with XXXX, XXXX XXXX XXXX, and BLOOM/DSNB. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX   XXXX, and BLOOM/DSNB with no successful resolution. There was definitely an error on their part.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2020, I filed a dispute with the Experian Credit Bureau about the unverified account : XX/XX/XXXX -- Account Number XXXX. In those 2 Months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 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 2022-01-09
Company: EQUIFAX, INC.
State: MI
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:
They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: MUFG AMERICAS HOLDINGS CORPORATION
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: Other problem

Complaint:
To Whom It May Concern, I am a long time Union Bank customer for my personal banking and home mortgage. Responding to a promotion for a Union Bank credit card I applied and was given a card in XXXX that I used for 3 years. I paid that card off on XX/XX/XXXX but ended up with a XXXX XXXX of {$4200.00} because of a cancelled vacation. I requested the balance be deposited into my bank account on XX/XX/XXXX. I was told they only issues checks for over payments unlike every other credit card company I have ever used ( XXXX XXXX, XXXX, XXXX, XXXX ). A check was apparently sent on XX/XX/XXXX. I called on XX/XX/XXXX because I had not received the check after the allocated XXXX business days. I was told to wait. I called again on XX/XX/XXXX and was told they would send a " ticket '' to have an expedited check rushed and it would arrive in XXXX business days. I called on XX/XX/XXXX because I still had not received a check and spoke to a supervisor who said he couldn't do anything more than what the prior rep had done and send a ticket requesting a new check. He said they don't send anything rush. I still have not received a check. I called today and the rep said a check was sent on XX/XX/XXXX and should arrive in XXXX business days. That would be over a week from my talking with the supervisor and two weeks after I spoke to the rep who said they would rush a new check to me. Not to mention 7 weeks since I first requested the check. 
It is fraudulent for a bank to not return money due to me. There is no tracking, no direct deposit and no service to rush the payment. My impression is that Union Bank is holding on to my money for their own profit and disregarding my request to return it. This is theft. 
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 2020-08-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I recently received a statement from Synchrony Bank showing a past due balance on an account I never had. Although I responded to the request for payment, I am called on my home and cell phone daily, some days I receive multiple calls. Daily negative reports are made to credit reporting agencies after Synchrony Bank acknowledged they received my response. There is a history of fraudulent on my credit cards involving Synchrony Bank and XXXX. I have prepared a detailed timeline of these events.

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 2021-11-06
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:
According to the Fair Credit Reporting Act all information must report accurate. Concerning my XXXX XXXX  account my current balance and credit usage % is not reporting accurate by Experian. On XX/XX/2021 my balance was reported {$75.00} and credit usage 8 %. Experian is now reporting XX/XX/2021 balance XXXX and usage 101 %. I am requesting immediate balance and usage update. My credit score is not reporting accurate because of this inaccuracy.

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 2019-03-20
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX. XXXX Home loan fianced amount XXXX Down payment XXXX This loan took forever to close. We went back and forth because of credit issues. However, I paid off everything except my cars on my credit report. People were pulling my credit report all the time which was making my score continuing to go down. I had already had a commitment for a mortgage and all the demands were met, but for some reason the back would not give me the clear to close. So this company took it in the own hand without asking me and switched lenders. I was just going through my email and noticed there were documents for me to sign. These days I thought it was a scam, but I thought I would check with XXXX and see if it was something they did. Sure enough it was and I would told to open it up and sign them ASAP. XXXX  me I do so, I was told everything was the same. From that point I heard nothing from them for 10days. I received a phone call from my attorney XX/XX/18 and said we were closing in 2 hours and bring my checkbook. When I got to the closing, the closing figures were still coming in. Remind you, I am a first time home buyer,  FHA loan, 5.50 % because I had a low credit score, now I had to put 10 % down I was told at one point with closing costs and 10 % down on a XXXX loan it was be XXXX. Keep in mind my credit is all paid off. Well guess what, at closing I needed XXXX Plus XXXX for a XXXX Credit Card that I was an authorized user on and XXXX. on XXXX XXXX that I was also an authorized user on for my daughter. I did not have that extra money but had to pay in order to close. XXXX   never informed me of any of that. I have never heard from them since they changed lenders on me. They stole from me, damaged my credit even more, and fudged numbers. The lawyers I worked with even the bank attorneys could not believe what they were seeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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

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 2020-11-10
Company: R & R Collection Service, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I keep getting threating phone calls stating they will be coming to my job and my supervisor or HR needs to be there to witness but they never state what its for and now I am getting text messages saying they will be coming to my house on a specific day between XXXX - XXXX and I have to sign for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
-- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday,XX/XX/XXXX, XXXX XXXX MST Subject : XXXX Order # XXXX Dear XXXX, Thank you for contacting XXXX! I wanted to reach out to you about order # XXXX. Regarding your payment for {$81.00}. This payment has been sent to PayPal and you simply need to call PayPal customer service at XXXX and give them the reference number below and they will help you " claim '' your payment. 
Your payment was sent to your PayPal address XXXX and the reference number for the payment is XXXX. This payment was deposited on XX/XX/XXXX. I hope this information helps you get your payment. Thanks and have a nice day. 
Sincerely, XXXX XXXX Payment Support XXXX XXXX Ive sent FOUR letters to Paypals customer service area and received only form letters in return. Ive also made two fruitless calls to the XXXX. 

The first call was made this past Friday night at XXXX XXXX time. After an online waiting time of 40 minutes, it took your customer service representative another 16 minutes to find the payment in questionand then I was disconnected. 

Yesterday, I again called Paypal customer service number in the XXXX at XXXX XXXX After a 38-minute wait I spoke to XXXX XXXX whoafter many minutes of searchingwas finally able to locate the {$81.00}. Another long wait ensued. FINALLY, XXXX promised me that the money would be in my account by end of day. I told XXXX that the next morning ( Sunday ; today ) would be fine. Well, guess what? The money didnt show up in my account, so your XXXX in the XXXX lied to me. 

And I am now on hold to speak to a real personestimated wait time being 1 hour and 14 minutes. That is as unconscionable as it is ridiculous. 

PLEASE get this {$81.00} credited to my account, WHERE IT BELONGSand we all can go home happy. 

Your prompt response to this request will be SINCERELY appreciated. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XX/XX/XXXX XXXX Balance Owed : {$2.00} ; XX/XX/XXXXXXXX Balance Owed : {$0.00} ; CXX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$300.00} ; XX/XX/XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXBalance Owed : {$6100.00} ; XX/XX/XXXXAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 non-monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
XX/XX/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

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 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have maintained my account with Bank of America for 7 years. 
I made a mobile deposit on XX/XX/XXXX and the next day the check was rejected. 
I called Bank of America and I was told the name on the check did not match the account name. 
Apparently I was told someone did not look and wrongly rejected the check. 
I was offered an apology and asked to take the check to the banking center the next day. 
Fearing the risk of my rent check not going through, I quickly made a XXXX transfer into this same bank account. received confirmation from the sending bank that the funds has been sent. 
I checked the Bank of America account and there was nothing.

After about an hour, I received a text from bank of America that I have received some funds. I went back to the account and there was no funds in the account.

I become worried and went to the banking center to find out why.

The personal banker did all she could do but the back office told her they are investigating the funds.

For what purpose, I do not know.

I still do not have the zelle transfer neither have I heard from them about the check that was deposited.

This has caused a serious problem for me since I have to make rent payment on or before the 1st of the month and nothing later than that

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