BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX  XXXX ; 3. XXXX XXXX XXXX ; 4. XXXX XXXX XXXXXXXX XXXX ; 5. XXXX XXXX XXXX ; 6. XXXX XXXX ; 7. XXXX XXXXXXXX XXXX ; 8. XXXX XXXXXXXX XXXX ; 9. XXXX XXXX XXXX ; 10. XXXX XXXX ; 11. XXXX XXXX ; & 12. XXXX XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX ). However, I have noticed that the information being reported on my credit reports by Trans Union is incorrect. Trans Union shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Trans Union for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Trans Union claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.

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 2022-02-23
Company: EQUIFAX, INC.
State: NV
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 Accounts 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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: Credit inquiries on your report that you don't recognize

Complaint:
This is not accurate. 

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 2023-04-11
Company: CITIBANK, N.A.
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:
on XX/XX/2021 someone try to open an account with CBNA and XX/XX/XXXX TWO HARD INQUIRY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Klarna AB
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called KLARNA. The amount for this KLARNA debt was XXXX XXXX The address that was provided was my old address that I shared with my ex Husband until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with KLARNA and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call KLARNA to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Law Office of Harris & Zide
State: CA
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 XX/XX/2022, I received a letter from The Law Offices of Harris and Zine, a debt collection attorney. I called the original creditor on the letter listed as XXXX XXXX XXXX XXXX, XXXX. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. 

I then emailed The Law Offices of Harris and Zine to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of Harris and Zine to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up. 

My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: ERC
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: Was not notified of investigation status or results

Complaint:
I sent a Debt Validation letter to Enhanced Recovery Co in regards to an unverified account in the amount of {$190.00} that appeared on my Credit Report on XX/XX/19 and they responded with a bill and that is it! On this bill also it shows an address in Louisiana and I have never even lived in Louisiana at all there is no way that this is my account. Plus a bill is not validation that I owe this debt it is just a bill for an account that was in my name and I have absolutely no knowledge of this account at all. I reached out to them after the bill was sent to me letting them know that this was not my account and did not hear anything else back from them which is ridiculous! I have to file this complaint because they have been ignoring me since they sent the bill to me as validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-02-29
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a savings account with Marcus by Goldman Sachs that I forgot about and haven't logged into in several years. I just received a letter in the mail saying that I needed to claim ownership of my account or my funds would be sent to the state. On XX/XX/2022 I tried logging into my XXXX account and it was locked. When I called the first time I was placed on hold for close to an hour and told my account was on hold because of a transfer from an external account that didn't go through. I was told to call my external bank and ask why the transfer to the XXXX account didn't go through and call back and let them know why so they could lift the hold from my account. I did so and when I called back the second time I tried explaining everything to the " specialist '' and he had no idea what I was talking about. There were no notes on his computer about the call I had just made a half hour prior. He also said that a failed transfer wouldn't cause my account to be on hold and have me locked out. He couldn't even tell me why my account was on hold. He placed me on hold for another half hour just to come back and tell me that my account had already been submitted for review and there was nothing he could do. He could have told me that before putting me on hold and wasting my time. Over two hours of talking to these people and told two conflicting stories just for this to happen. I was told I would get a call back from another specialist in 48 hours. It's now XX/XX/2022 and still no call back. I just want to close my account. I want nothing more to do with this bank and their terrible so called specialists and just want to close the account so I can get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: WI
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF ED / XXXX XXXX Balance : {$3300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1900.00} ; DEPT OF ED / XXXX XXXX Balance : {$7500.00} ; DEPT OF ED / XXXX XXXX Balance : {$4100.00} ; DEPT OF ED / XXXX XXXX Balance : {$3000.00} ; DEPT OF ED / XXXX XXXX Balance : {$1500.00} ; DEPT OF ED / AIDVANT XXXX Balance : {$2100.00} ; DEPT OF ED / XXXX  XXXX Balance : {$2600.00} ; DEPT OF ED / XXXX XXXX Balance : {$2000.00} ; DEPT OF ED / AIDVANT XXXX Balance : {$2300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I noticed a collection account from Wakefield & Associates Inc of XXXX XXXX Colorado. The collection was for an account of XXXX XXXX XXXX XXXX. After I looked up the entity name I found that it was a medical bill. Using this information I looked up all areas of operation of that entity in Arizona and only found 1 near my residence. This hospital appears to be a XXXX hospital in XXXX Arizona. 

I was a victim of an employment scam in XX/XX/2018. I made a report then to the consumer protection bureau in regard to that incident since it involved credit cards in my name. I am of 100 % certainty that this account does not belong to me. I am in no need for a XXXX hospital needs, I am XXXX and no history of XXXX XXXX. I have only been to the hospital one time in the last 10 years and that hospital was not this hospital. Another reason I know this bill is not mine, I am a 100 % XXXX veteran and 100 % of my medical costs are covered by the XXXX XXXX. Another issue I noticed is that hospitals in Arizona use the XXXX XXXX XXXX XXXX to collect medical debts in Arizona. 

I believe I was a victim of identity theft and would like this collection removed immediately from my credit report. I have filed a dispute with the credit bureaus today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian de-facto prevents consumers like myself from placing a security freeze. This action is either due to extreme negligence as a minimum, or, possibly deliberate. I had provided all the necessary information to Experian via their online system to identify me and place a security freeze ( SSN, address, answered numerous questions ), however, Experience refuses to place a freeze and requests me to send them highly sensitive and private information by mail, thus exposing me to extreme identity theft risk. I have 25 years of credit history and I even have online account with Experian - and they had no problem creating an account for me earlier and trying to sell me their rip-off services ( that should be free in a civilized country ), so clearly they have no problem with my identity for purposes of selling me my own credit info-related stuff yet they refuse to place a freeze. US mail is disappearing right now and I had an instance of open mail/theft by USPS employee last year ( that is being investigated by Postal Inspector ). It is not safe to send SSN and similar document copies requested by Experian by mail. Neither I see why I should spend a lot of money for overnight/signature-required mail ( which is more secure ) just to play along illegal games by Experian agency. I had no problems with other consumer agencies ( XXXX XXXX ) and was able to place a security freeze with no hassle with them, I also was not prevented from placing a XXXX freeze : clearly the problem is limited to Experian and their illegal practices exposing US consumers to identity theft.I already was victimized by XXXX information breach : why does US government continues to allow this abuse to happen and for these monopoly agencies, that destroy Americans ' livelihoods, to expose people to identity theft? Please act to immediately stop Experian from continuing these illegal and abusive practices. There's evidence online that Experian does the same to people trying to lift their freeze, refuses to take a correct pin and requests sensitive info sent by mail. I was not able to place a freeze with Experian after spending long time entering all my information, yet, Please stop consumer abuse by Experian.

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 2020-01-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing because FedLoan is refusing to process my IDR recertification in a timely manner creating the unnecessaryrisk that their inaction will cause me to lose several months of PSLF payments. Again. FedLoan confirmed receipt of my latest IDR recertification on XX/XX/XXXX. A few days later, on XX/XX/XXXX, FedLoan sent me an email ( attached ) telling me that my IDR recertification was " on hold '' and would not be processed until after XX/XX/XXXX. They then said : " Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' The problem with this is that the new payment will be in effect for the month of XX/XX/XXXX. By waiting until the last minute to process my request, FedLoan will prevent me from having adequatetime to challenge the amount requested ( if needed ) or to respond if FedLoan announces that they are " unable to process my request. '' This unnecessarydelay creates an unnecessaryrisk that I will lose payment months towards my PSLF while we potentially argue about the new payment amount. To be clear, this is EXACTLY what happened during my last recertification. I'm including the following details about my prior recertification because I endured the exact problem I'm trying to avoid this time : I filed my prior IDR recert on XX/XX/XXXX. My new payment amount was to take effect in XXXX. FedLoan put my IDR " on hold '' and ignored it for XXXX and XXXX On XX/XX/XXXX they approved my IDR recert and announced my new payment amount. There was a problem with the new payment calculation, but because FedLoan had failed to process it in a timely manner, I then had almost no time to challenge it before the payment was due. As a result I lost THREE months of PSLF payments while I argued with FedLoan about my IDR payment. Had they processed my recert in XXXX when I submitted it, we could have worked out the problems before the payment was due in XXXX. XXXX NOTE : I did file a CFPB complaint on that and, as a result, FedLoan allowed a single, retro PSLF payment so in the end I missed TWO months of PSLF payments. Complaint # XXXX ) It must be acknowledged that borrowers receive the request to submit their IDR recertifications THREE months before the new payment cycle specifically in order to allow FedLoan to process it in advance. FedLoan is improperly delaying these requests and their delays are negatively impacting those of us enrolled in the PSLF program. Please direct FedLoan to process my IDR recertification immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 had negotiated a settlement with Citibank. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is harassing phone calls form Citibank AND a debt collection agency THEY contacted in regards to my account. I made numerous and repeated attempts to contact Citibank. But, either the call gets transferred to departments that are closed or there is outright reluctance from the Citibank representative to address and fix the issue. Additionally, when I asked the most recent representatives I spoke with, " XXXX and XXXX, for their full names, they denied, saying " Company policy. " This has been very taxing on me emotionally.

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 2021-05-03
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was at XXXX XXXX XXXX XXXX, and they offered promotional financing. I know they said promotional financing, because I didn't want another line of credit on my account. I get home and turns out I get a new 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 non-monetary relief
Consumer complaint received 2021-03-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with regions and I was looking to rent a unit and set up a payment for XXXX dollars to secure the lease but after I made the payment and it was put on hold I found the woman did not have the keys I was being scammed probably so I immediately called regions to cancel the on hold payment which had not been taken from my account yet. The first woman I spoke to said she would have to verify the payment for me to cancel when later I found in an email after 24 hours the payment would be canceled on hold but she verified it and made the payment for XXXX dollars to this scam artist. Now regions does not want to take responsibility for their employee not knowing the facts of her job ( 24 hour delete of on hold payment ) and the fact a regions employee took XXXX dollars from my account I was calling to cancel in the first place. I am sick with XXXX filing for XXXX and XXXX living out of a hotel on the last dollars I have left please help 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