BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CO
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 submitted two different letters to the experian credit bureau one on XX/XX/23 & the other on XX/XX/23. Both letters specifically requested a copy of my free credit report, full validation and a copy of the original page by page contracts of XXXX student loans with my full name, social security number & signatures on them. Both letters were sent certified with tracking numbers so I know they were received but I have not received nor heard anything from experian. I contacted XXXX years ago for the copy of the original contract but they refused stating since I was only the co-signer I would have to contact my ex for permission to access that information. The problem with XXXX response is that even if I wanted to I no longer have contact with my ex because she fled from Colorado to parts unknown in Texas and changed her number after I put out when she cheated on me.

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 2023-01-03
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Someone o an account in my name BBY/CBNA I don't have an account with this company they open in XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Conn's, 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:
its on the ftc attached the ftc violations and names conns and XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
ON XXXX, THE BANK OFAMERICA XXXX XXXX XXXX,XXXX, XXXX XXXX, TEXAS XXXX, XXXX XXXX NEGLLIGENTLY AND DELIBERATELY , FAILED TO WITHHOLD TEN PER CENT AS WITHOLDING TAX FROM THE AMOUNT TRANSFERRED FROM MY IRA INTO MY SAVINGS ACCT.INSPITE OF THE COMPUTER CLEARLY INDICATED THAT THE TAX BE WITHELD.I WENT BACK TO THE BANK AGAIN AND AGAIN.NEITHER XXXX NOR XXXX ANOTHER EMPLOYEE WOULD HELP.XXXX   WOULD NOT EVEN TRANSFER BACK MONEY INTO THE IRA.THAT WAS IN XX/XX/XXXX.ON XX/XX/XXXX I AGAIN ASKED XXXX TO WITHOLD THE TAX FROM MY SAVINGS ACCT.SHE REFUSED TO DO THAT.SO I BELIEVE THAT AROUND XX/XX/XXXX, I DECIDED TO CLOSE MY IRA, AND INSISTED THAT XXXX WITHOLD TEN PERCENT AS TAX, AFTER THAT I CLOSED ALL MY ACCOUNTS WITH BANK OF AMERICA, AFTER I FILED MY XX/XX/XXXX TAX RETURN WITH THE HELP OF PREPARER, THE IRS IMPOSED PENALTY AND INTEREST.NOT MY FAULT. 

IN SUMMER XX/XX/XXXXWHEN I WAS TRYING TO GET MY FUNDS FROM XXXX, XXXX KEPT MAKING MISTAKE AFTER MISTAKE.I HAD TO GO TO POST OFFICE AT LEAST THREE TIMES.THE PEOPLE IN FLORIDA WERE ANGRY AT THE MISTAKES MADE BY XXXX.THE LAST TIME SHE AGAIN FORGOT TO TYPE SOME THING .SHE TOLD ME TO WRITE IT IN.I HAD TO TELEPHONE FLORIDA AND REQUEST THEM TO ACCEPT THE FORM.IT COST ME TIME AND MONEY TO KEEP MAILING THE FORM. 

THE BEHAVIOR OF XXXX WAS TOTALLY UNPROFESSIONAL.SHE WAS INTERESTED IN MY PRIVATE LIFE.PERHAPS SHE WANTED RELATIONSHIP WITH ME.PERHAPS SHE HAD EYES ON MY MONEY.SHE EVEN TOLD ME TO GET MY SOC SECU. DEPOSITS TO BANK OF AMERICA.WHY SHOULD I DO THAT? 
I FILED COMPLAINTS WITH XXXX OF XXXX AND NORTH CAROLINA.ALSO COMPLAINED TO TEXAS AND NORTH CAROLINA ATT GEN. 

I GOT TWO PHONE CALLS FROM XXXX.SHE WANTED COPY OF THE LETTER FROM IRS.I ASKED IF SHE WAS GOING TO PAY ME MONEY.SHE SAID THAT SHE WOULD LOOK INTO IT.SHE CONNED ME INTO SENDING HER MY PRIVATE INFORMATION. 

I HAVE SENT AN EMAIL TO THE CEO OF BANK OF AMERICA THAT I AM NO LONGER A CUSTOMER OF BANK OF AMERICA.I DON'T WANT ANY ONE TELEPHONING ME OR APPROACHING ME.IF I GET ANY MORE PHONE CALLS, I WILL HAVE TO FILE A POLICE REPORT OF HARASSMENT. 

THE CITIZENS NEED TO BE PROTECTED FROM THE BANK OF AMERICA. 

I HAVE REQUESTED THE GOVERNOR OF TEXAS TO CLOSE THE BOA IN XXXX XXXX, TEXAS. 

WHEN BOA EMPLOYEES CAUSE LOSS AND TROUBLE TO CUSTOMERS, THE BANK HAS AN OBLIGATION TO COMPENSATE THE CUSTOMER. 

ANY ONE DEALING WITH BANK OF AMERICA WATCH OUT.BERCAUSE THE BOA EMPLOYEES MAY PULL A TRICK.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon checking my consumer report today, I have seen that there is fraudulent information and account specifically the XXXX XXXX XXXX Just so you know, I make sure to always pay on time in order not to incur any late payments or past dues. But this specific account is showing an instance of late payment which I am sure, a clear inaccuracy. This has caused me so much that I can't even move forward with my life because of this negative item. I attach screenshot. This needs to be cleared ASAP!

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 2023-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to the credit bureaus regarding XXXX debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2022-03-15
Company: EQUIFAX, 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:
Credit Monitoring Company XXXX XXXX is reporting on my Equifax Profile XXXX XXXX XXXX XXXX that my paid in full XXXX XXXX account with zero balance Is at below 100 % with payment history this is wrong. It's payed no outstanding balance 2. XXXX  XXXX reports on Equifax accounts has fraudulently stated that falsely that remarks are added and there are no remarks for XXXX XXXX XXXX  account XXXX 
3. XXXX  XXXX on reports on Equifax that account Open XXXX XXXX pays on time and the account is paid in full and not open nothing to pay 4. XXXX XXXX is reporting XXXX XXXX XXXX XXXX in different areas on the Equifax report. 
5.XXXX  XXXX is reporting XXXX XXXX XXXX  asr revolving account XXXX 
XXXX XXXX on Equifax reports XXXX XXXX account missed payments but the account is paid in full zero balance. How can this be? XXXX XXXX reports payment history at 87 % and it should be 100 % This account is paid not a revolving accounts and the account has no added remarks its just being reported fraudulently. 
6. Finally XXXX XXXX XXXX is being reported as paid on time XX/XX/2022. This account is paid in full no further payments made account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by Central Portfolio Control several times by phone, trying to collect more personal information for them to give me more details about the bill the are trying to make me pay. I have also received a letter dated XX/XX/2023, with an account summary for service on XXXX XXXX and reference # XXXX for a balance due of {$10000.00}. The communication mentions that the original creator is XXXX XXXX XXXX XXXX XXXX. I have never used nor taken any service from that hospital. 
I have never been contacted by dignity health and I have never heard nor used Central Portfolio Control company. I have called CPC to report the spam, they did not receive my call seriously, I did not receive any help, and they did not show any concern for the company 's name involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the FCRA you have XXXX  days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called US Bank on XX/XX/21 to redeem or cash out a fully matured XXXX CD valued at {$160000.00}. This process was not smooth and I was dropped or put on hold several times throughout the request, which was done via telephone. In the end, as the recorded conversation with prove ( my daughter was also present on the line ), I requested that the check be sent to my home address. Having not received it by XX/XX/21, I called US Bank to ask for an update. Again, I was put on hold for an hour and repeatedly disconnected when asked to speak to a supervisor. I was told there was an error processing the check, but never provided assurance that I would be receiving my money. It is impossible to speak with anyone competent at US Bank and I fear that I am being taken advantage of due to my advanced age. Requests for a callback from a supervisor have not been answered.

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I been a victim of the dark web, along with losing my identification and ssn card years ago. I'm demanding that these unauthorized accounts be blocked from my credit file. 

[ 1 ] XXXX XXXX XXXX/XXXX  {$7300.00} [ 2 ] XXXX XXXX XXXX {$3000.00} [ 3 ] XXXX XXXX XXXX/XXXX   {$5400.00} [ 4 ] XXXX XXXX XXXX  {$3900.00} [ 5 ] XXXX XXXX XXXX  XXXX [ 6 ] 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 2023-09-23
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
When great lakes transfer all their student debts to Nelnet, Nelnet was asking for more than I owed and when I asked for a verification letter. They never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-12
Company: The CBE Group, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for jet blue plus card. Called because checked status online and said denied. Was told that I wasn't actually denied yet, that needed to provide more information on XX/XX/XXXX. I indicated that I did not feel comfortable sending front and back of my social security card. Was given option of sending my 1040. I asked about blacking out social security number and was told it was fine. Sent it in, waited was still denied because 1040 was blacked out. I called several times and was given the option to send it in again with my husband and daughters socials blacked out and mine visible as they were not on the card. Called next day to confirm fax number and again confirmed blacking out their socials. Faxed the document with my full social visible. Requested several phone calls back, no one called me back. Spoke to one manager who said that they didn't receive fax but confirmed again that it would be ok with blackouts. Found out I'm denied AGAIN based on blackouts. Credit was approved almost instantaneous can't get through security and continuously lied too. Employees including managers give different stories and each says the last person was wrong. Filed with the XXXX XXXX XXXX, the office of the president finally calls me back. They promise to look into it. Take a few days, get back to me that they are sending me a letter regarding the XXXX  case ( still have not received it ) and were going to make it right by me. Promised to have the letter within XXXX hours as of Wednesday XX/XX/XXXX around XXXX. It is not Thursday XX/XX/XXXX, have not received said letter, have sent multiple messages, phone calls. No responses from anyone. Feel very goated into giving information that from the XXXX phone call I informed them I was not comfortable 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 explanation
Consumer complaint received 2021-03-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They call almost daily around XXXX XXXX. They have also called my parents landline, who I do not live with and whos phone number I do not use.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-10-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have sent to Mr.Cooper numerous request for a payoff as well as request for information for other things that will help me resolve the loan and my servicer refuses to provide the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: ACIMA CREDIT, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America ATM took my money. I tried to pull out {$800.00}, but it gave me a stack of crumpled $ XXXX so half the stack fell into the atm upon pulling the money out, and I called the bank, but they don't really care they just said they'd file a claim.

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 2023-03-17
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you.ACCT CORP XXXX Date Opened : XX/XX/2018 Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$2300.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$4100.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$1900.00},

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