BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 2021-05-11
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The entire current balance on my Synchrony CareCredit credit card consists of several deferred interest/ no interest promotional purchases, none of which are presently subject to interest charges. I have made no " regular '' transactions on account upon which interest would accrue. However my XXXX and XXXX statements each reflected spurious interest charges in the amounts {$5.00} and {$5.00}, respectively. On XX/XX/2023 I notified Synchrony of the billing error on this account via an initial mailed dispute letter ( copy attached ). On XX/XX/2023 I recevied a response letter from Synchrony apologizing for the errors and noting that the account was corrected ( copy attached ). My XXXX statement then reflected refund credits for the first and second interest charges in the amounts- {$5.00} and- {$5.00}. However, that statement also reflected another ( third ) interest charge in the amount {$5.00}. Additionally, my XXXX statement reflects a fourth interest charge in the amount {$5.00}. Again, none of these interest charges are valid because there are no transactions on account currently that are subject to interest.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information has been exposed in various data breaches and someone was able to successfully open accounts for goods, services, or money that were unauthorized. None of the information is accurate and should be removed immediately because my reputation with the banking system is being ruined.This is ruining my chances of being approved for a mortgage.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
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 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 an account without my written instructions

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 2022-12-20
Company: EQUIFAX, INC.
State: IN
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:
Eqiufax XXXX XXXX Are in violation from reporting information on my consumer credit file 15 USC 1681 602 A, N, I 15 USC 1681 604 15 USC. 1666 B 15 USC. 1635 N Multiple soft inquiries on the consumer report. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Freedom Mortgage Company
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Continuous attempts to refinance my mortgage to the point of harassment. Ive ignored the calls and recently spoken to a representative telling them that I will not refinance ever. They have ignored my requests and weekly attack me with offers.

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 2022-12-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I opened a use auto loan account with Navy Federal Credit Union in Georgia. I was sent paperwork via US mail from the loan officer. Everything was highlighted where my signature was needed. Approximately 3 months later I received a letter from Navy Federal stating that my savings account was debit {$15.00} for XXXX fees. I called Navy Federal on XX/XX/22 at XXXX XXXX  XXXX and spoke with a Representative that was trying to refund my account {$15.00} and was not able to do so. The Rep asked to place me on hold to see how he could refund my account. Before, offering me a refund the Rep did not see any paperwork that I signed giving NFCU the right to debit my account. Once the Rep placed me on hold he came back stating that he spoke with his Supervisor and could not issue a refund. I asked to speak to the supervisor. XXXX ( supervisor ) can on the line and proceed to explain what a title change mean etc. I interrupted XXXX and informed her that I am aware of what a title change means. XXXX was HORRIBLE and did not try to solve my issue. I spoke with XXXX around XXXX XXXX. XXXX was awful. I want to file a complaint against Navy Federal. I did not give Navy Federal permission to debit my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent collection notification was placed on my credit report by Credence Resource Management ( XXXX ) for a charge of {$300.00} from XXXX. I contacted all three credit reporting companies and was told to contact the collections agency. When I contacted Credence, I was told to provide an address or the last four digits of my SSN. When my address couldnt be confirmed, I was asked for my last four digits of my SSN. When I would not provide the info., the male rep. became annoyed and told me he was citing in notes that I was unwilling to provide information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # 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

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 2023-03-22
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with Chase Bank in part because of a promotion which, after meeting certain conditions including a regular direct deposit, the account would be credited {$200.00}. When I noticed the promotional credit had not been applied after the second direct deposit, I contacted the bank via their secure message feature in the Chase XXXX app. The first person who answered the e-mail indicated that she was not able to apply the coupon code. Although I had not done anything wrong, she indicated that she was unable to credit the account. After replying back and requesting an escalation, I was told to contact Chase at their 800 number. I dialed in on several occasions but no person I spoke with seemed to be aware of the promotion or how to address the issue. 

I have attached the e-mail promotion to this complaint, but it appears that the bank is engaged in a bait-and-switch to have my business but fail to follow through on their promotional offer, acting in bad faith. Multiple requests to speak with a customer service supervisor, offering to send copies of previous communication and a copy of the offer to the customer service representatives which whom I spoke, were all declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: NRA Group, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National recovery agency put a collections account on my credit report for {$5600.00} This is fraud it is not my account I have disputed with the Credit bureau

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 2018-06-21
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have tried for the past 90 days to request an economic hardship deferment. There is no way based on my current situation that I can make the payments. I have advised them of reduction in income ... The number of children in my household alone combined with my income puts me at below poverty level. I even did the calculation on their website and it said my payment should be XXXX. I submitted the documentation and they continue to deny me. I need some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX, I initiated a bank transfer from Citibank to XXXX XXXX  XXXX Simultaneously, I applied for a debt consolidation loan to settle the balance I intended to transfer from Citibank to XXXX XXXX. Consequently, the balance with Citibank was brought to XXXX. Subsequently, XXXXXXXX XXXX issued a check to Citibank for the balance transfer, which Citibank duly cashed. 

However, this action resulted in an overpayment status and flagged my account as fraudulent, leading to the closure of my account. Despite numerous attempts to resolve this issue by contacting Citibank 's fraud department, customer service, and security operations department, I have been unable to secure a refund. The account 's heavily restricted status has hindered any progress in addressing the overpayment. 

As of XXXX, I have yet to receive any communication from Citibank regarding the refund, and this prolonged delay is causing significant financial strain. Moreover, the check from XXXX XXXX  was cashed by Citibank, leaving me with an outstanding balance that I am now required to repay, impacting my ability to fulfill my financial obligations, including the repayment of the debt consolidation loan used to clear the Citibank balance.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

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 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a secure credit card from Bank of America. I requested, in XX/XX/XXXX, that it be closed after applying my deposit to pay it off and send the remaining deposit back to me. 

They confirmed that the account is closed, it even stopped appearing on the app. When I called to confirm that it was closed, in XX/XX/XXXX, they again confirmed its closed. 

In XXXX of XXXX, I got a call from a dept collector saying BoA had sent my account to collections, they facilitated the call with BoA where the BoA agent confessed that the account was somehow not properly closed- the deposit was not applied to it- and it kept accruing interest. 

Although they understood the problem, they just bounced me between departments and told me that no one has the authority resolve the issue. I was told that while they understand its unfair, I should just pay it off to get it over with.

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 2022-07-22
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i cant get aproved for anything which is casing me even more XXXX please Help!!!!

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 2023-12-03
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was deceived, misled, and they used offensive and abusive language stating that I owe a loan on a credit sale that was conducted fraudulently. They have continued to report on my consumer file/report as I have provided a police report, a letter from the Department of Justice of a being a victim of identity theft. This has caused a lot of emotional distress, grave damage to my consumer report as I could not get a home for personal, family, and household use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I have no knowledge of this company I did not give permission for any company to sell an account that i have NO Knowledge of, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE Income Drive Repayment plan on XXXX. The student aid government site indicates my application was processed the same day and it says the next step is for my loan servicer to decide which payment plan I qualify for and process the application. It has been > 3 months. Each time I call, I cant get through to EdFinancial ( my loan servicer ). When I XXXX this issue, I found many others with EdFinancial loans complaining of the same issue. All while my teacher colleagues with other loan servicers have had their applications processed in 1-2 weeks and are paying little to no interest.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FTC Office of the ATTY GEN # XXXX lates XXXX XXXX # XXXX {$16000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Business Cred

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