BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Applied for a home equity loan with my bank and a XXXX XXXX XXXX collection account appeared on my credit report in the amount of {$1500.00}. I contacted XXXX XXXX XXXX and was told the account was being handled by Radius Global Solutions. I contacted Radius Global Solutions and they said I needed a Fraud Affidavit before they could start the process of removing the account from my credit report. They did tell me that this was a collection from a XXXX Account, tied to a phone number ( XXXX ) I have never had. I have never used XXXX. On the credit report, I also noticed that my current address and my husbands current address were both incorrect, so I concluded that this collection account was improperly placed on my credit report.I have been at the same address for 60 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-02-23
Company: MOHELA
State: MI
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 applied for PSLF forgiveness in XX/XX/2021. I requested my payments made during the COVID pause to be refunded to me from XXXX and MOHELA ( once I was transferred ). I did not receive the refund and am now being told I will not because my loans were forgiven. However, I made the request before the loans were forgiven. Also, they did not count my payments made to XXXX from XXXX, which would have given me 160+ payments and qualified me for a refund. XXXX had me listed as in school, which I was not, I was in repayment. When I asked for these to be fixed it was changed to Administrative forebearance. They are only listing me at 120 payments and not counting those years. The amount of money from the Covid refund alone is {$12000.00}. It is not insubstantial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: OLD NATIONAL BANCORP
State: IN
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:
On XX/XX/23 {$220.00} was taken from my account and paid to XXXX XXXX XXXX XXXX. I contacted the vendor who would only verify that the item ( s ) were not shipped to my address and that the email address connected to the purchase was not mine. Then, I contacted my bank which claimed it was not fraudulent. I called the bank again and requested more information, they stated I would receive it in about 7 days. It never came.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a paid subscription through Transunion to have access to my credit report and credit score for {$24.00} a month. 

I have been unsuccessfully able to access my credit through the paid for Transunion website and the free XXXX website. 

When I try to login on the Transunion website, it keeps saying my credentials are invalid. When I try to reset my password, it keeps looping over and over to the same login page even after I enter my social security number and name. 

I have called on numerous occasions to Transunion. The customer service representative tells me that some one will call me back and I never hear anything. 

Meanwhile, TransUnion has taken at least {$300.00} in the past year, possibly longer, and I have no access to my TransUnion credit report.

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 2023-11-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
see letter enclosed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX TEXAS XXXX RE : REQUEST TO MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPRTING STANDARS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY AND COMPLIANCE ELSE WISE OF EVERY SINGLE ONE EACH ANY OR ALL THE ASPECTS OF ALLEGED ACCOUNT INFORMATION DOCUMENTARIFY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF THRUTH, ACCURRACY, COMPLETENESS, AND COMPLIANCE TO XXXX SOO PROVE NOW OR DELETE CLAIMS. UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annuled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY XXXX XXXX COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBALLY OR WRITING PERMISSION TO XXXX XXXX FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW collection charge off account XXXX Date : XX/XX/XXXX ALSO DATE OF ACCOUNT APPEARS ITS WRONG WAS IN XX/XX/XXXX XXXX XXXX XXXX XXXX CC.PROF OF RESIDENCE CC.SOCIAL SECURITY

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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

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 2022-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX is violating the law. I am a victim of identity theft and my card was used without my permission. I immediately reached out to the company to start a claim for the fraudulent activity. A few days later I Called to follow up and was informed that my claim was closed. When I asked why the claim was closed, they were unable to give me any viable reasons. 

I explained that I have a right to know what investigation method was used as grounds to close this claim. They had no factual basis to support denying the claim. 

I believe that this company denied the claim to evade from their responsibility to provide me a provisional credit within the allotted 10 days which is my right under the law. 

XXXX is not abiding by the laws that the government has in place to protect consumers from losing their money to fraudulent transactions. They were insistent on me reopening my claims even they were unable to furnish information used to deny the claim. The sole reason for why they wanted to re-open the claim was because they wanted another 45 days to investigate. This is unethical behavior that should not be taking place at a financial institution in the United States. 

We are now on the the third request to reopen the claim without any information on why it was closed. XXXX is keeping money that rightfully owed to me and what I need to survive during these times. 

What should have been a 45 day process in total with a provisional credit in 10 days is now going into 4 plus months with zero explanation. 

When I implied that I was going to make a complaint my request was dismissed completely.

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 2021-10-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been buying merchandise using my Paypal credit card which is handled by Synchrony Bank most often when there is a special financing promotion. I just discovered that my monthly payments have not been applied correctly toward one of these promotions. I notified the company and was told their automated system for some reason does not properly take you monthly payment and distributed payment in the proper allocation among the various purchases whether they have a special financing promotion or not. The only way to insure this was to call directly and talk to an agent to and instruct them how allocated payment to various special financing purchases and pay over the phone directly bypassing the automated system of online payment as I was told by one of their customer service agents. She did admit there is a problem with the automated system. I did this last pay period and the instructions were not followed. I have made my complaints to management but do not feel confident this issue will get resolve. On one of the special financing purchases had a two year interest free promotion. I am only into 7 months of that promotion and the beginning balance was over {$990.00} and as of today the balance is just over {$41.00} after only 7 months. When that balance should be at this stage of paying 7 months into a 24 month interest free promotion be just over {$700.00} if the payments were properly allocated. Meanwhile other promotions with much less time did not receive any payment at all.

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: ROBINHOOD MARKETS INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Robinhood LLC is holding my money in their app and is trying to force me to invest more before closing out my account. I lost only XXXX dollars in XXXX trading and I am trying to withdraw my money for college tuition. The deadline is XX/XX/XXXX and I have been trying to withdraw my money for a month. I sold all of my holdings, and due to a failed transaction I can not receive my money even though I do not owe them. I have already deposited another XXXX to " settle '' my account but I have over XXXX in withdrawal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an odd e-mail from Nationstar Mortgage on XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with XXXX, they have proved to be a disorganized mess. I have not received any information from XXXX about the transfer and I have not received the package that Nationstar claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by XXXX. Nationstar has not responded. I had a similar issue the first year of my mortgage ( XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX. Unlike XXXX, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach XXXX joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the evening of XX/XX/XXXX, someone successfully used my debit card ( likely through XXXX XXXX  ) for XXXX $ at the XXXX XXXX store in XXXX, XXXX Then someone tried to use it in a XXXX store. I received an email from Chase bank that someone is trying to make a purchase for XXXX $ at a XXXX store. I selected the option that it was " not me '' and then called the Chase bank. The transaction was blocked and hence my card was also blocked. 

Then within the next hour, I received an email that someone from XXXX XXXX phone number XXXX by the nickname of XXXX XXXX was added as a recipient in my Chase bank XXXX account. I immediately logged in to my Chase Bank mobile application and removed that recipient as I knew that someone was trying to do fraud, especially when my card had already been used within the last one hour. I called my bank and they told me that the XXXX transactions which the fraudster was trying to make were blocked. My Chase mobile app access was blocked and I was told to go to a Chase branch. After a day or two, I was able to go to one of the Chase branches near my apartment in XXXX, Michigan. There, I found out that XXXX out of XXXX XXXX transactions went through ( the third one out of the XXXX transactions in order of their timing ). It was for XXXX XXXX My bank opened a claim and gave me a temporary credit of XXXX XXXX Later, my bank sent me a letter dated XX/XX/2022 stating that they have taken credit of XXXX $ back from me as they said that they did not find any evidence of fraud on their review. 

The bank manager helped me in pursuing my case and an inquiry was opened. My Case manager from Chase bank wanted me to file a police report in the territory of the phone number XXXX which is XXXX XXXX. I have filed a police report both in XXXX as well as XXXX. I recently got a call from the Chase Bank case manager that the decision from the Bank remains unchanged after their investigation. 

At this point, I feel like the bank is not trying to help me and I feel lost. They do not give me any other reasoning except for the fact that an IP address was used near to my area and that a face ID was used. I have no idea how that happened and I also do not know why the Bank was not able to stop these transactions especially when they already knew that there had been fraudulent activity happening on my account earlier that day. I would really appreciate it if you can help me in this regard and assist me in getting my hard-earned {$500.00} back. I am attaching all the relevant files of evidence along with the three letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively from the Chase bank denying my claim. I am happy to provide any further information if required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I have a concern that maybe you or your office can help me understand, bring to light and also wanted to be sure you are aware of what is happening in my state of Illinois. Thursday evening, XX/XX/XXXX, I learned that a good friend of mines received a check in the mail from his bank. He learned that his bank account had been closed and to continue using the banks services, he would need to come into a branch to reopen a new account. You can understand how this can be very inconvenient when we are steered towards having direct deposits from income and auto-payment for our bills and liabilities. The very next day, Friday, XX/XX/XXXX, I received a letter from my bank, Chase, that my bank account that I've had for at least one decade would be closed except I come into a branch within ten days with certain documents. My friends bank is XXXX  XXXX XXXX and my bank is Chase with the same policy. Who else out there has this happened to that we are unaware of? and What is this new practice? Why are banks now closing out peoples accounts or threatening to close accounts except contact is made within ten days or less? These letters are sent in the standard mail and we know the problems XXXX is currently having with timely delivery. Why when all other communication is sent paperless by email or push notification a crucial communication is sent by snail mail? 

Are you aware of this recent practice? and Why is it happening? Why are our bank accounts being closed? 

I thank you for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I visited the Wells Fargo branch office on XX/XX/XXXX, regarding four Saving Deposit certificates I found in my father 's safe deposit box. These are the original certificate and I am the joint owner XXXX XXXX XXXX XXXX XXXX ). He recently passed away and my name is also included on the certificate, and I needed to know if or when the certificates were cashed in. I have the original certificates. I also reached out to their XXXX XXXX XXXX, and still did not get an answer whether the certificates were cashed in or still active. Both the branch and the XXXX XXXX XXXX informed me that there aren't any records on these accounts and there is nothing they can do. The certificates were originally opened at XXXX XXXX XXXX on XX/XX/XXXX, which XXXX XXXX XXXX were bought out by XXXX XXXX and the last buy out was Wells Fargo. I was told by both departments that they only keep records for only seven years, and I should check with the state of Florida regarding unclaimed funds. I did go to the state 's site and nothing was there. My problem with their answers is that they must have some type of film or archive files that took place well over seven years. I refuse to believe that a company that size would destroy everything in the past seven years, especially when they have merged with so many financial institutions. I need these certificates researched with a legitimate answer.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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