BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-09
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I faxed a request to close account with notarized statement and copy of My drivers license on XX/XX/2020. ..No response My personal bank XXXX XXXX XXXX XXXX XXXX Oregon Faxed a second request on XX/XX/2020No results A third request was Faxed on XX/XX/2020 No results A call was placed on XX/XX/2020 was promised a call back and I have not heard anything. My Account is with BBVA of XXXX aL If you need account # please call me at XXXX XXXX XXXX Please help I Don't Know what else to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX Bank BBVA CompassXXXX XXXX XXXX XXXX Al XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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:
I NOTICE ALOT OF HARD INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I RECENTLY GOT A POLICE REPORT IM GOING TO ATTACH IT TO MY CLAIM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.

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 2023-05-05
Company: EQUIFAX, INC.
State: PA
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:
I co-signed a card for a friend who was getting {$3400.00} to have lasik eye XXXX. it was a line of credit for medical expense. The person who was making the payment was locked out of her account online and she tried, has several emails back and forth trying to fix that problem. She started paying over the phone because they do not send statements and she has no emails from them. I do not get anything. I found out my credit score went down by more than XXXX points because they reported me for not paying. Although i was a co-signer, i was never given any notification whatsoever that this was going into collection. My credit report shows a collection. When i called the company i found out it is not in collections. HOwever, the statement on this account shows {$2500.00} due. When i called and on my credit report, it shows {$5600.00}. They hung up on me when i wanted a printout of how they added this much to the balance and is it legal for them to ruin my credit without giving me an opportunity to fix it or pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I made a request to transfer funds ( {$1000.00} ) to an external account. Chase deducted the money from our checking account. Later that same day, I received a Secure Message within my account notifying me Chase could not complete the transfer. Chase never returned the {$1000.00} to our account. I have sent multiple secure messages, spoken to 5 different Chase agents at several different departments. Two acknowledged that the transfer didn't go through and transferred me to another department whose representative stated that the transfer did go through and that he didn't have access to any information ( i.e., the Secure Message from Chase ) to the contrary. He had no other suggestions and insisted it did go through. The amount never went through. I called XXXX XXXX to confirm XXXX XXXX never received an incoming or pending transfer notice and none shows in my online account at XXXX XXXX. Chase has not returned our {$1000.00} and it has been 6 days now with no end in sight to this problem. XXXX XXXX has no record of the incoming transfer because, as Chase acknowledged in one area of their website ( but not in the account itself ), it didn't go through. So, to reiterate, even though I have written proof from Chase in my account Secure Messages confirming this, no one at Chase will acknowledge it or help us get our money back from Chase. Chase has our money and won't return it to the Chase account it belongs in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: OH
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:
Equifax states that my XXXX account is reporting accurately. Their own website and credit report shows conflicting information. XXXX is showing no late payments at all. Equifax is showing ( XXXX ) 30 day lates, ( XXXX ) 60 day late. XXXX another part of the report it shows ( XXXX ) 30 day late, ( XXXX ) 60 day late and ( XXXX ) 90 day late. This is from the website. The paper report I received XXXX states a code ( XXXX ) that reflects no more than XXXX days late, but the report shows a 90 day late. Also my payment is {$390.00} per month not a scheduled {$400.00} per month. This is inaccurate. I plan to file another small claims lawsuit against Equifax for the errors. I'm attempting to refinance my property and the errors are causing a problem with moving forward. I plan to file another small claims lawsuit. My previous suit was filed in XXXX XXXX and settled in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed this account with the credit bureaus and the credit company. This is a fraud account, i did not co sign a loan. I have disputed this account 3 times and the credit bureaus have refused to remove this account from my credit file XXXX has also re-inserted the fraudulent address back onto my credit file exposing me to more fraud. the account is as follows XXXX XXXX XXXX XXXX XXXX THE FRAUDULENT ADDRESS IS AS FOLLOWS XXXX XXXX XXXX, XXXX MI XXXX I HAVE INCLUDED THE POLICE REPORT AGAIN

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 2024-01-04
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had an account for over 25 years with Citibank. 

From XXXX XXXX XXXX I made a lot of cash transactions from the account ( withdrawing cash from ATM, teller, cash advances, etc ). I verified my identity every time I was asked about it. 

On XX/XX/2023 I couldn't access the account. I called and wasn't able to contact them since the account or ssn didn't exist ( any longer ). Walked to a Citibank branch, and was provided a different number to call. I realized the branch was completely helpless and couldn't even access my account information. 

Called the Bank Fraud and Security and they stated " the account has been refereed for closing, the review last 30-60 days, and there is not more information ''. They hang up on me XXXX. 

I requested : 1- Unblock the account, let me withdraw my funds from a branch where you can verify my identity XXXX more time, I can close the account myself since you have made a decision not to service it. 

2- I told them I had my payroll direct deposited that day- which would serve for paying rent, Holiday expenses, food, etc. I needed the funds for day to day operations. 

3- To accelerate the closing of the account. You can't block my funds for 30-60 days as stated by the Security personnel .

It has been almost a week, and they haven't released my funds. They have blocked my payroll direct deposit. Basically, they are keeping my money with no authorization. If they have decided not to service my account any longer, I am fine with the decision, but I want my funds delivered to me on a fashionably manner. With the level of technology that exists today, the 30-60 days they give you- which is not acceptable. After all this is not a credit card or a loan. This is my money!

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is reporting 2 account incorrect. The XXXX XXXX XXXX  is not my account and she be removed asap. The other account which is XXXX XXXX she be reporting charge off. They have already repossessed car and sold 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 non-monetary relief
Consumer complaint received 2023-06-28
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: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2020-08-03
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX XXXX has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again XXXX XXXX XXXX XXXX has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that XXXX XXXX remove this account immediately from my credit file. 

Please remove the following 1 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: CORELOGIC INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had applied for Solar Panels with XXXX XXXX XXXX which was approved on XX/XX/XXXX. However, there is a second hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for XXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for Credco. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.

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 2023-05-05
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to file this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Behind on payment for credit card, made payment arrangement for XX/XX/XXXX to pay balance. 
Receiving calls of upwards of 10 times a day, from different numbers and also private numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Professional Recovery Management
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fox collection is trying to collect a debt for XXXX XXXX this a lease to own account when purchasing it the sales person said if any reason cant pay for just call them have them pick it up I did that was told nothing about owning anything the person spoke to said they will have it scheduled for pick up I said so that all I need to do she said yes someone will pick it up in few weeks there running behind on pick ups but it will get picked up now they filed a collection on my credit report for a delivery fee that was never spoke to me about this needs to be removed from all three credit bureaus reports please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Financial Freedom Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir/Madam, On XXXX, I clicked on an ad that was willing to tell me how my mortgage payments would change from a 30 to 15 year refinance. I did fill out my information but opted to not be contacted. That was 2 months ago. I have been contacted by Financial Freedom Mortgage. I have repeated ( 2x a day ) asked them to not contact me as I am not interested in a new mortgage. I even spoke to a manager twice and told them to stop contacting me. It has now become harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: Stellantis Financial Services US Corp.
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:
these items in my credit file are from unauthorized use of my social security number card and number. I did not authorize these accounts to be taken out in my name nor do they they relate to anything i do or applied for. I'm completely unaware of any of this. You assumed a vital role and your job is to report every account and inquiry with maximum accuracy. These accounts are from identity theft and are not accurate. They do not belong on my credit file/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 2018-03-01
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a notice to apply for CashNet in the U.S. mail. The notice informed me that I was pre-approved and eligible for a {$2600.00} loan in which I accepted. Upon accepting the loan, I was then placed on a repayment plan that will total {$8000.00} once the loan is completed after a 15-month period. I was not informed of the 3-digit interest rate prior to applying for the loan. Also, I called the loan company in order to request an extension on my first payment, which was due two weeks following the loan approval. I was told that I had been granted the extension, however payment was still debited from my account and as a result my account was in negative. The {$60.00} that was remaining in my account was charged due to overdraft fees. I have had to close my account as a result, as this action on the part of the company made it difficult for me to cover daily expenses such as buying fuel and food. I live in the state of CA and I see that legally a pay day loan is to only allow a maximum of : Maximum Loan Amount : {$250.00} if maximum fee charged. If this is true, the company also violates this law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: URS Holding, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by XXXX XXXX XXXX in reference to a debt I owe to XXXX  XXXX XXXX  for {$760.00} on Tuesday, XX/XX/2019. The rep said she was in the Minnesota office and they had a Texas Office as well. Their phone number is : XXXX. I immediately requested an Itemized Statement which the rep ( XXXX ) said could only be done with a written request. According to my rights, if I requested an ITS it should be considered a dispute and they should supply it. She also said the original account had been sold to another agency ( she didn't say who ) and they " partnered '' with XXXX XXXX. This rep called me at work, and I immediately told her not to call me at work anymore. I emailed the company that day stating that I wanted to cease and desist all communication and requested the ITS. I had a message from this XXXX on my phone last night, and a missed call today. Until they resolve this issue by sending me an ITS I won't no contact with them. I have no idea what fees or interest have been tacked on the bill of {$760.00}. I would like proof of the debt as I am entitled too. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am receiving 6+ phone calls a day between the hours of XXXX and XXXX. Its harassing constantly getting phone calls when Im trying to sleep. I have asked them to stop calling so much and they completely disregard my wishes.

Company response to consumer: Closed with non-monetary relief