BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On ( or about, I was out of town for a couple of days ) I received an unsolicited prepaid card from a company called Netspend. I thought it was illegal to send unsolicited credit and debit cards through the mail. I called the number below and cancelled my account and told them not to share my information. I asked where they got my info from and they said they'd call me back with that. Haven't heard from them yet. 

The company 's info is : Netspend XXXX. XXXX XXXXXXXX XXXX, TX XXXX The direct deposit info on the letter is Routing number XXXX Financial institution name XXXX The number to cancel and prevent further contact and info sharing is XXXX. 

Here are their XXXX XXXX XXXX details : Headquarters XXXX XXXX XXXX, XXXX, TX XXXX XXXX  File Opened : XX/XX/XXXX Years in Business : 20 Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in TX Type of Entity : Corporation Alternate Business Name XXXX XXXX XXXX   XXXXt Ms. XXXX XXXX, Vice President Customer Experience Mr. XXXX XXXX, Senior Vice President of Operations Additional Contact Information Phone Numbers ( 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 2021-08-19
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-31
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 status incorrect

Complaint:
From XXXX to now I have been in contact with XXXX XXXX XXXX XXXX letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in XXXX  and they vowed to help me but as soon as I left the military in XXXX XXXX XXXX XXXX XXXX repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with XXXX XXXX for almost 20 years and to get this type treatment is unsat.

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 2019-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX by XXXX XXXX put an unauthorized inquiry on my report on XX/XX/XXXX the issued documentation on XX/XX/XXXX stating it would be removed but TransUnion has failed to remove it so I am filing a complaint against both companies to have the inquiry immediately removed.

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 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have written to Transunion on the following dates XXXX, XXXX and asked that the inquires listed on my credit profile be removed due to the inaccurate reporting. Transunion has responded each time stating that they verified the information, however, they will not provide me with anything in writing that these credit inquiries are in fact valid. This is negatively affecting my credit, and I ask that these inaccurate inquires be immediately removed. 

Transunion will not provide anything in writing as to " WHO '' authorized these inquires since these are not mine.

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 2021-02-04
Company: SLM CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I pay SallieMae monthly for a personal loan through my banks bill pay on time. I do not wish to have the company automatically deducted from my account for personal reasons. My bank deducts and sends them the money. About 3 months ago SallieMae started calling me everyday until the payment was received and telling me they did not receive the payment. I called my bank and disclosed the payment was never received and the bank conferenced called SallieMae to get them to waive any outstanding late fees. My bank, XXXX XXXX XXXX  said this company does not have an electronic agreement with Salliemae. They send a check to SallieMae. The problem lies in the fact that they would call me several times a day for several days even after the conference call with the bank and annoy me regarding my payment. This has gone on for several months after telling them I spoke to someone about this. I have finally blocked as many of their numbers as I can. They have now resorted to sending emails. I have finally learned that they have several addresses to which one can get a check to them faster. I find this whole experience incredible since all of their transactions are paperless, and yet they do not have some type of electronic transfer for payment with a major bank. I almost believe this is deliberate so they can tack on more interest and late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Cadillac Accounts XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: FIRSTBANK PUERTO RICO
State: PR
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:
XXXX XXXX  reports to XXXX and other companies wrong payment history report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase has now resorted to using the same practices that XXXX  XXXX XXXX was fined for. They are lumping deposits together in such a way that they suddenly hit your account, without any warning. They are hiding deposits. They are showing deposits as having been deposited on a certain date and then retracting them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX also inquired on XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report on XX/XX/XXXX and I seen that I had been turned into collections for an apartment that was leased in my maiden name. I have been married for XXXX years. They leased an apartment in my name ( XXXX XXXX ) in XXXX Texas. The name of the apartment is XXXX XXXX. It says that I owe a total of {$8500.00}. I have never been to Texas nor do I know anyone who lives in this state. I have reported this to the XXXX main credit bureaus, filed police reports, reported to the Ohio Attorney General, and the Federal Trade Comity. I can send you guys all of my information including proof of address, ID card, police reports, and my notarized signature. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Cornerstone Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were customers of XXXX and upon closing out our internet services we werent notified that we had a router that needed to be turned in. Instead a debt collector called us and told us we had a {$150.00} unpaid debt from XXXX. I immediately gathered the router and brought it to XXXX and received a receipt of proof that the issue was returned and taken care of. I emailed the copy of the receipt to XXXX XXXX XXXX on XX/XX/23 and still this debt is showing on our credit history, hurting our credit score. 

We need this removed. My family and I have since moved from Alaska to Arizona on military retirement orders and no longer have any ties to gci. I went to purchase a vehicle yesterday and this populated as a derogatory impact to our credit with should be resolved with no impact. We have never missed a payment and take great care of our credit. Please help me in resolving this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card had an interest rate of 8 % in XX/XX/2011. I made a mistake and paid 1 day late, so Citi jacked up the rate to the penalty apr of 29.99 %. Under the law they were supposed to only keep the penalty rate for 6 months if i made 6 months of on time payments. I have never had another late payment. They never reduced the rate back. I have repeatedly requested that they change the rate, but now they claim that the 29.99 % is the cards normal rate, which is a lie. I have the statements showing the original rate and when it changed to the penalty rate. Last month the did reduce the rate to 24.99 % but nothing near the original 8 % and that was 7 years later. they have never offered a credit or refund for the period where by law the interest rate should not have been 29.99 % over 7 years of overcharged interest. Again they did not follow the law and continue to lie about it, even if I get nothing, they should be held accountable for breaking the fair 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 2021-05-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
URGENT I was notified that someone is trying to collect unemployment benefits in my name. I am unable to put a credit freeze on my Equifax account or see my credit report. I notified XXXX and XXXX and put a credit freeze on those accounts. Equifax makes me answer four security questions in order to freeze or access my account, and none of the questions that are asked pertain to my account. I have an Equifax login and password, but these don't work anymore. I'm unable to reach anyone at Equifax who can help me. The only live humans who answer the phone are call center representatives, and they can not help unless I provide them with the entirety of my personally identifiable information, including my SSN. Im not comfortable providing this information over the phone, and the three representatives I spoke with weren't helpful or responsive at all. I asked for a supervisor and was told Im not able to talk to one. I have been trying for two days to put a freeze on my account. Equifax has now locked me entirely out of even attempting to access my account. Equifax only gives me the option of mailing sensitive personal information, including my Social Security number, and states that they will mail the report after receiving the information. There is no information about when I can expect a reply. Mail theft is rampant here due to COVID, and I do not feel comfortable mailing this information to Equifax. I can not find any other person or solution there to help. I consider this to be an urgent situation. I was able to easily place security freezes on my XXXX and XXXX accounts. This is egregious behavior on the part of Equifax and contributes to perpetuating fraud. 

Tried multiple times to access via website and XXXX Called XXXX Called 3x between XXXX AXXXX and XXXX XXXX on XX/XX/2021 Called at XXXX XXXX on XX/XX/2021 Called XXXX Called XXXX XXXX on XX/XX/2021 Called at XXXX XXXX on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a notice on XX/XX/2023 from XXXX XXXX XXXX that my credit limit has decreased. I was not aware of the decrease, until I logged into my credit report and my credit report had dropped by XXXX points because of this decrease in my credit limit on my Venmo Visa Card. I have no outstanding balances on this card. 
On XX/XX/XXXX I called and asked why and they had no answer. I asked them to reinstate the original limit of {$6000.00} and they denied keeping the new limit of {$1500.00}. 
According to the CFBP I should have received notice of this decrease, but I did not. In addition, this decrease is affecting my credit score and the amount of funds I have access to. Please advise.

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 2019-07-24
Company: Navient Solutions, LLC.
State: LA
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:
There are five steps to submit your complaint : Step 1 : What is this complaint about? 
My complaint against Navient and Sallie on fraudulent activity towards my account. Sallie and consolidated loans i never entered agreement. Fraudulently sign my information on documents to take over my loans that was handle by XXXX XXXX. I have filed police reports and everything against this company. While trying to resolve the issue now Navient is over my loan I'm trying to resolve fraudulent activity alone with payments that paid XXXX for a XXXX loan plus interest totaling XXXX paid in full they keep having independent companies under umbrella to keep the account open on a paid account to get more money. This is fraudulent to me and they are transfer correct information on a loan that is paid in full. 
Step 2 : What type of problem are you having Step 3 : What happened? 
I try to call them but they give me a run around plus taking advantage of my situations to capitalize off me setting high interest rates and they care less to help you but work solely on the behalf of the Fraudulent company Navient. They have been paid in full. They find ways to keep the account current by selling my account to other companies. XXXX of my money then paid a account t Step 4 : What company is this complaint about? Navient and Sallie mae XXXX XXXX XXXX XXXX XXXX XXXX. 

Step 5 : Who are the people involved? 
XXXX XXXX consumer vs Navient Before you get started please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 letter is a formal complaint to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX  XXXXXXXX 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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against XXXX and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.

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 2023-06-08
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:
Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with Transunion, and XXXX. Complaints and complaint results are attached. Both claim to have verified and updated the account, however, the account as of my credit report on XXXX still has inconsistent information with both bureaus which include, the monthly payment, balance, date last active. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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