BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, Im a co-signer on my sons private student loan for {$21000.00} signed on XX/XX/XXXX with Charter Bank One. When I was contacted sometime in XXXX by as far as we know XXXX XXXX XXXX. I never received and documents as a co-signer that the loan was approved. And how can someone in my condition at the time being on medical leave and applying for XXXX and no retirement fund and filing for XXXX even be approved to be a co-signer? My son did not make any payments at some point for some years and the loan went into default at this point and with interest the new balance was {$24000.00} due at this point. Many of loans by this entity have been dropped due to false documentation that we can prove. I let them know I was not working and filing for XXXX, I asked them to stop calling me, however, the calls just got worse. I was told how they would garnish my wages or put lien on my house for refuse to make a payment and the person started pressuring me with credit cards I had. I had medical issues that they took advantage of. They stated if I get off the phone I was refusing to pay and that I have credit cards that could be used and a monthly payment was agreed upon. Why are they not collecting from our son for this loan? Our son remarried and changed his last name to XXXX to avoid paying this debt. He has a job with the state as well. 
We tried to make an offer to settle and it was turned down. They harassed me for 3 hours over the phone until I agreed to monthly payments of {$150.00} and made payment on XX/XX/XXXX for {$3000.00} on my credit card they said that was not acceptable. My husband then got involved as a XXXX veteran and took {$6000.00} out of his 401K to bring the loan up to date. Then they cancelled the monthly payment agreement for {$150.00} and changed it to {$300.00} which our son could not afford. Now they are stating the last payment was in XXXX which is not true as the two payments above were made in XXXX. Then in XXXX they contacted me again to pay the balance and they were advised I was on XXXX and unemployed. Then XXXX XXXX XXXX  XXXX had me served with a summons and took me to court to put a judgement against me in XXXX. Now they want {$30000.00} to complete the loan. I never received notification that loan was even approved or payment agreements. Considering the multiple agencies trying to collect this loan I just feel Im being taken advantage of as I was only working part time and my husband did not co-sign either. 
These types of student loans are not covered under and government assistance either. All loans for college students should be included to be equal and fair to all students. 

Thanks for your time and consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-05-22
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLP OR RESURGENT CAPITAL SERVICES have been trying to collect some debts that I do not recognize ; I have already disputed those debts, two that appear with a name that is not mine and one that does have my name. I have asked them for information, signed contracts that legitimize the debt and they have not been able to fulfill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, I received an e-mail stating that XXXX XXXX was charging my account for {$290.00}. I responded by email but it did not go through, so I called the number in the email to tell them that I didn't want their service. The man who answered said he was reversing the charge. 

Almost immediately after I hung up, a man calling himself XXXX XXXX called and claimed to be from XXXX XXXX XXXX  XXXX XXXX XXXX. He told me that I had been scammed by XXXX and my credit card had two fraudulent charges on it. He told me to protect my bank account from cyber fraud I needed to open an account with XXXX XXXX XXXX and wire my savings into it. He told me Citibank is being hacked so I had to hurry before fraudsters took it all. He said XXXX was a safe wallet to hold my money until I opened an account at a different bank. 

I opened an account with XXXX and XXXX XXXX sent me an email with instructions for completing the wire transfer from Citibank. I went to my Citibank branch and was assisted by XXXX XXXX. I made a wire transfer of {$50000.00} to a XXXX bank account XXXX XXXX claimed was owned by XXXX. 

Later I was concerned and looked up the phone numbers for the man calling himself XXXX XXXX. I was not able to verify they belonged to him, so I contacted XXXX to ask if he was one of their agents. I received an email verifying that he worked for cyber fraud investigations and was legit. The email had XXXX logo in it, but I didnt realize at the time that it came from a XXXX address. I was then told my XXXX account had been locked and I could not transfer money in or out of it. The scammers were somehow able to access the funds and withdrew them from the XXXX account. 

The next day, I went to Citibank and asked them to reverse the wire transfer. They did an investigation and two months later stated that XXXX wouldn't return the money, so it was my loss to bear. 

I am a XXXX XXXX and I have been banking at Citibank for about 20 years. Despite the fact that this transaction involved a very large amount of money and I had no history whatsoever of such transactions, neither XXXX XXXX nor anyone else at the Citibank branch asked me any questions during the face-to-face interaction to screen for or warn me that I might be a victim of a scam. I am informed that this type of scam is very common, and it would have taken only seconds for a Citibank employee to ask a few questions and provide me enough information to help me to realize that I was being victimized. Instead, Citibank collected the {$35.00} wire transfer fee, sent the money out of my account, and provided no assistance in recovering it.

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 2023-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, my checking account was charged $ XXXX at XXXX XXXX that I did not make or verify. I called the same day to file a claim and was told because it was a chip on chip transaction I might not get it. Which is just XXXX because I didnt spend the money. On XX/XX/XXXX, I got a temporary credit reversal for $ XXXX. Life goes on and nothing happens until XX/XX/XXXX, $ XXXX was taken from my account. I have called 3 times and everything said that there is pretty much nothing they can do. Only one of the customer service workers said i should have received an email from Bank of America telling me when they were going to take that money back. I NEVER GOT IT. Now it is XX/XX/XXXX and I am still negative {$240.00} dollars and have been since then. I have missed payments, can not afford groceries, and have been strapped yet nothing has been done.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit percentage has not been updated currently. I had the same credit score for almost two months with no updated account information. I paid off all collections accounts in full within the 2 year agreement. Over XXXX points was taken and promised to be put back on my credit report by creditors if I paid within the time. All my credit accounts are paid below 30 percentage. XXXX XXXX XXXX XXXX  trans union, XXXX, XXXX is not updated my credit score. My perception is that I am being discriminated against because I am XXXX over XXXX. This is hindering me from getting any future credit cards, loans, to purchase a home etc. if I were to use any accounts they would decrease my score in minutes.

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 2023-05-30
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove

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 2023-01-31
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: GA
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
Filed a dispute with all three credit bureaus on XX/XX/2023 they had 30 days to respond and they did not so I'm asking for a deletion under the federal 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 non-monetary relief
Consumer complaint received 2019-02-04
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax about my credit report and I noticed there are tons of fraud on my account and I never applied for a loan or did business with these people and my ID and my social security card was stolen and i fax a police report/and identify theft report FTC and Equifax refused to honor my request and the investigation took more than 90 days and I havent had those accounts deleted/removed off my report such as XXXX XXXX XXXX XXXX  balance amount XXXX XXXX XXXX XXXX XXXX XXXX balance amount {$820.00} XXXX  XXXX XXXX balance amount {$220.00} XXXX XXXX XXXX  balance amount XXXX XXXX card balance amount $ credit limit is XXXX XXXX XXXX XXXX balance amount {$500.00} XXXX  XXXX XXXX balance amount is {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
So on XX/XX/2022 at XXXX I got this message from XXXX XXXX of Closure of you deposit account ending in XXXX  due to a check that I deposit of my brother work check that I agree on him that I will deposit his check on my account also that was a Friday, so I also had a work check to deposit on my account so decide to deposit both of them. I didnt know that this could have an issue with my account, because algo my boyfriend use to deposit his work checks on my account and nothing never happens ( he use to do that because he had and account with his mom and it was kind a saving account ) so nothing never happens to my account and i dont know why I get the account close if hes my brother, there was his name on the check and everything. 
My mom use XXXX XXXX, so a couple months she goes to a XXXX XXXX bank to open an account for my sister and they told her that because I have this issue she cant open the account for my sister ( I XXXX had the account with my mom because we opened when I was a minor ). A been had to calls for reopening the account but I cant due to that. I ask a customer service person from XXXX XXXX if I cant solve this issue ( I want to reopen it ) of me and my brother can go together to solve this issue and she told me NO! 

I also had a problem with fraud on my chase bank account due to some checks that were fraudulent which I didnt deposit, also some claims as soon as I saw that activity on my account I call and told them that I didnt make this claims and this deposits, which they make me change everything from my account but it was still close, so days later or weeks I call to see if I can reopen the account and they told me yes and everything, it was pretty good until this fraudulent activity came again, even tho that I change everything. I ask them if they can see where this checks where from but they told me no, because I wanted to know if they can give me any information to see what place or phones or anything was getting access to my accounts. I make an appointment to reopen it for the 2nd time because they told me I can but when I go to my appointment they told me that I cant reopen it due to suspicious activity.

If theres any possibility that we can solve this issues with both of the accounts please let me know if I have to do anything, please let me know Im here to help and discuss about this at any moment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent 6 to 8 certified letters to Experian including my copies of utilities bill, drivers lixense, and social security card to prove my name as I name. 


I filed multiple complaints with The CFPB stating Experian requires your social security number Prior to letting processing you through the fraud or dispute person. Then says unavailable everytime. 
Then in response Experian says dispute closed, and their form response says dispute not available online I must call to speak to someone and or send in another letter with identifying proof which I have already done 8 or 9 times. 
They keep me in a round circle, my report unavaiable onlune. Mu accoint blocked They do not permit me the upload internet process, a free online report, or free access to dispute results. When I request validated proof of results it goes unanswered

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