BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
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:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-06-03
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 have correspondence from XXXX XXXX that states that they have contacted TransUnion to remove the late payments from my credit report. After not getting an update I called TransUnion and they advised me to mail a copy of the letter from XXXX XXXX. I mailed the info on XX/XX/2021, and again on XX/XX/2021, after calling TransUnion again they advised me that they have nothing from me in regards to the matter.

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 2020-06-18
Company: Bread Financial Holdings, Inc.
State: MA
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:
Error by retail store caused Fee 's on credit account from XX/XX/XXXX thru XX/XX/XXXX. I was never notified about any fees or minimum balance due and company never reported late payment s from XXXX but when I made payment to close account in good standing they then reported one late payment for XX/XX/XXXX which is incorrect. I did not owe anything to this company and after I paid something that I did not owe they then report as late payment. this company comenity bank has committed fraud and falsely reported incorrect info to credit bureau and wont remove. They reported multiple times that this was an error and they did make some credits to account but when I request the account to be closed they retaliated by reporting to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The XXXX of XXXX my identity Was stolen they stole my purse and not had everything in it from my phone to my wallet Which had my social and I had my credit cards and banking information as well as personal information they took the time to go online to the private website where they were able to gain all my information I found that out through bank statements throughCash AppXXXX XXXX in XXXX XXXX  when they went online to the private side they drained all of my funds they got on my phone and drained all my funds from XXXX and because they didnt have a XXXX credit card because it was at my house they transferred everything to the Cash App which is again on my phone Ive called Cash App and there is a buddy who answers Ive emailed them millions of times and nobody answers I am almost 8 grand in debt because they got a hold of my tax information my everything Ive contacted XXXXThis is the second time that they hang up on me out of the seven times that called I feel very unappreciated and not like a valued customers just want my money Back Ive already contacted the FBI Ive already contacted the XXXX XXXX on other thanks which wouldve been Cash App I dont mind reporting XXXX for the route customer service every time I never made a transaction my stuff was stolen what was recovered was an empty post with a crack phone What Im using right now I need yall as Im cash app amd pay pale to understandThat I never agreed or authorize any transactions and I need my money back or we can take it to legal matters and I cant get a lawyer and sue yall I am literally in some hardship right now and all I want is my money back not even the government my money do you have any questions feel free to call me at XXXX you can also email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Our Loan is with Navient. We have never missed a payment on the load. We may have been late a few times but never missed a payment. 
I made the payment on the morning of the XXXX. My Son who has the loan has gotten 2 call from them and I myself have gotten 2 calls from them before XXXX on the XXXX even through we have already made the payment. They keep calling and hounding us for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: RH Portfolio I, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The week of XX/XX/XXXX, my father and I called the companys number ( XXXX ) XXXX. We settled on making a {$200.00} payment after a lot of frustrating back and forth and constantly being interrupted. My dad read the man his card information and he repeated it back to my dad. My dad confirmed that was correct, and he asked for them to send a confirmation email to my email once the transaction processed. It never went through. I never got an email. 
I have continued getting calls from this company with different representatives. A few weeks ago I kept getting multiple calls in a row saying that the loan I applied for was approved. I never applied for a loan. More recently, they have threatened to call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
TransUnion File Number XXXX XX/XX/XXXX Has Promotional Inquiries showing as I opt out in XX/XX/XXXX so why are promotional Inquiries showing

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 2023-05-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have applied for the loan from XXXX in XXXX and it's proceeded on XX/XX/2023. I have not received the fund to my XXXX bank account. I confirmed that my information : account number and routing number are all correct. 

XXXX XXXX bank Wells Fargo Bank as sender. They should have sent XXXX $ to my chase bank account. I contacted to My bank, but they can't do anything since they do not see any transaction. 
I opened case to XXXX. XXXX requested to Wells Fargo about the transaction. Wells Fargo replied them that XXXX XXXX confirmed the transaction has received with no return. However, XXXX does not see any action happened to my account. 
I asked XXXX to provide proof of payment, however they are rejecting it, and just provided trace id. I contacted again to XXXX XXXX  with this trace id, no luck. 
Wells Fargo provided trace id : XXXX. 

Sender : Wells Fargo Trace id : XXXX Amount I'll receive {$43000.00} Trade date : XX/XX/2023 Effective Date : XX/XX/2023 Receiver : XXXX XXXX XXXX Wells Fargo should track the 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 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received that capital one declined my previous request, which is still keeping the account that I did not open on the file. But I have a XXXX to prove that I am not in the United State from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. And capital one said that the account is opend online. So if the account is open online, how about the transaction? I believe all the truncations that they made is in the UNITED STATE. I am not in the United state, how am I suppose make any transaction in the state?? Once again, I can not use my phone during XXXX XXXX  training started from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. How am I suppose to make that payment in XX/XX/XXXX? I do not really get the points that capital one keep saying its not open fraudulently. I have prove that I am not here, so show me all the transactions that is on the account please. The website for XXXX is below : XXXX XXXX XXXXXXXX XXXX XXXX I will keep fight for my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Eastpoint Recovery Group, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a voicemail from XXXX about a claim. Then they left my mother a voicemail as well. 

I called and spoke to XXXX XXXX 1 ) he never verified my address, social or date of birth, none of the 3 2 ) I told him he should not call my mothers cell phone, not sure where they got her number from 3 ) he wanted me to settle in full or pay {$600.00} in order to initiate a payment plan, I mentioned I can only do {$100.00} a month max 4 ) I mentioned I was unemployed, and he said to use my covid edd payment to pay my bill 5 ) then he said to ask my mother ( I dont even live with her ) 6 ) threatened he was going to tell attorneys that I dont want to pay 7 ) I asked for debt validation, and his response was that he wasnt a monkey that was going to mail me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 2023-02-25
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business account in XX/XX/XXXX, responding to Citi 's promotion with cash bonus. The requirement was to mainatin to a certain level for 60 days to receive cash bonus. I funded my account with {$15000.00} ( there was a limitaiton for transfer amount ) over several months, far more than 60 days. However, I have not received a cash bonus sa of today ( XX/XX/XXXX ). Cah bonus should be {$500.00} per its own terms. 

I contacted Citi multiple times. Provided W9 recently, which I beleive that I did provide this when I opened my account at a branch in XXXX. 

A banker that I am working with is XXXX XXXX XXXX Retail Business Banker Assistant Vice President XXXX XXXX XXXX XXXX XXXX ID : XXXX Email : 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 2020-06-18
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a car loan with Santander consumer usa since XX/XX/XXXX since .. 
I recently have gone through during the pandemic a hardships and have been late making a few payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 send Trans Union Dispute about False Inquiry on my credit report. Trans Union is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

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 2022-11-30
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this item : XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2018-03-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax, XXXX, XXXX To all three credit agencies Please accept this letter as a written request to perform an internal dispute along as an affidavit with the following account information of fraudulent items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.  XXXX XXXX XXXX 5. 
INQUIRIES : attachment of pictures on the fraudulent inquiries as well. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 72 hrs of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX claimed possession of my legitimate student loan accounts ( XXXX, American Education Services, and XXXX XXXX ) in XX/XX/XXXX. I received a bill from XXXX XXXX  in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the last three years, XXXX XXXX claims that the fraudulent loan is also in default because I have not provided money for the company. This loan is not a valid debt. XXXX Servicing has also failed to demonstrate that I used my pin number or signature to authorize XXXX XXXX to consolidate loans from American Education Services, XXXX, and XXXX XXXX. The company has also used false information to force me to make payments for an account that was not created or authorized by me. The company often sends documents to my post office box and falsely claims that the documents were composed by The Department of Education.The Department of Education is located in Washington, D.C., and the organization does not collect student debt. The address for the company is as follows : XXXX XXXX XXXX ( XXXX ) Department of Education XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX. The company recently filed a false report with the U.S. Department of the Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. The U.S. Department of Treasury/Bureau of the Fiscal Service notified me that the company will retain my tax refund of {$360.00}. The Department of Education has not informed me of my rights regarding the situation, and they have not issued a letter of intent to collect the debt by applying eligible federal payments made to me. I contacted The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. I spoke to XXXX who informed me that my account was clear and no funds will be taken. XXXX informed me to contact IRS to resolve the problem. I contacted IRS on XX/XX/XXXX and spoke to XXXX XXXX. XXXX XXXX informed me that the IRS does not resolve the problem. When I attempted to contact The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX at a later time, an individual named XXXX picked up the phone and asked for my social security number. Once she entered the information, she abruptly hung up the phone. I could not contact a live person on XX/XX/XXXX for the rest of the day. Please be advised that the company ( U.S. Department of Education ) attempted to place false information on my credit report several times within the last three years. The information was removed on several occasions from my XXXX, XXXX, and XXXX credit accounts.

Company response to consumer: Closed with explanation