BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An unknown individual obtained a credit card with FNB Omaha using a fraudulent ID card with my information and the suspects picture on it. Subsequently over {$14000.00} worth of fraudulent transactions were made. I alerted FNB Omaha of the fraud and filed a police report. FNB Omaha did not remove the fraudulent account 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 explanation
Consumer complaint received 2021-06-19
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am having trouble getting my PSLF  applied, even though I have met the requirements. I was given an estimated date of eligibility of XXXX. I applied for forgiveness and the yearly employer certification at that time. I called the customer service line and was advised on how to proceed with the application for forgiveness. I was told the process could take 90 days to complete, but it is now mid XXXX, and although Ive called and emailed several times, Ive been given no timeline for processing nor explanation for the delay. I know that loans are currently in forbearance due to Covid 19, but I would like to see this resolved before that forbearance ends since I met the requirements for such more than 7 months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: MD
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 previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021, I received a letter from XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/2021 stating that the debt has been retained by Citibank NA so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.

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 2021-08-15
Company: CREDIT ACCEPTANCE CORPORATION
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 am covid protection still have all the original letters and this company is reporting. The negative payments contradicting the covid statis

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 2022-03-19
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Unable to open account with chime online. They kept telling I needed documents to open up account so I send copies of my ID my ss card and proof of address. I nvr got helped they kept telling me someone would remove the block n til this day my account is still blocked I nvr knew wut the problem was. Poor customer service. They could nvr help resolve the problem. Tried to resolve for about 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: MD
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 previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.

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 2021-08-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
USAA keeps over drafting the account by using some method which is crazy So far, I have racked up {$87.00} in fees When I paid my Att account it showed the money was already taken out because I used their website and allowed them to go into the account. When the account was assessed on XX/XX/XXXX, there WAS EnOUGH MONEY. USSA didn't honor that payment when the funds were in the account instead they held on until the account was low. 
meanwhile, I thought the payment had cleared so it was not until today that I saw the account had been overdrawn USAA continues to do this I am on unemployment but I continue to look for a job. i put in 3-4 applications per week and still no interview I am also a veteran with mental health issues and I'm freaking out right now USAA should be helping instead of hurting its customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: IL
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. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX SQ XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never been late on this account and it is showing two late payments for XXXX and XXXX of 2020. This is affecting my ability to get a mortgage for my family. I have spoken to EdFinancial and was assured that this matter would have been resolved. To date it has not been. Therefore, I have engaged the assistance of the CFPB to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Velocity Portfolio Group
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not liable for this debt as I do not have a contract with Velocity Investments LLC I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to Velocity and they referred me to XXXX XXXX XXXX an attorney. When I connected the attorney they could not give me any information. I am being run around in circles and would like to get the issue resolved. No one will verify the debt is mine or give me any information once I say XXXX XXXX is not me. Please remove the item from my credit report and stop any legal action.

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 2017-11-20
Company: DISCOVER BANK
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I am inquiring about removing a few late payments off my credit report. During XXXX of XXXX, I had emergency XXXX XXXX XXXX causing me to miss work for 8 months or so, my Income was severely reduced causing me to fall behind on my payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX and XX/XX/XXXX and 60 days late XX/XX/XXXX and XX/XX/XXXX ... since Ive made every payment on time and have never had an credit issue previously or after those dates. If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated. I take full responsibility for the lates and have set auto payments to avoid any further incidents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BARCLAYCARD XXXX XXXX Received a letter dated XX/XX/2022. The letter stated that I had not used my card with XXXX balance in some time. If I want to keep the account open, the card must be used periodically to remain in good standing. Thus, if I want it to remain open, I must use it within 30 days of notice, XX/XX/2022 or it will be closed. The credit line is XXXX, and the balance is XXXX. 

I am a XXXX  citizen with good credit history and I don't want to close the account that will reduce my credit availability. I have never heard of such a credit card request. 

Please advise me. 

Thank you in advance for your assistance.

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 2022-03-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2022 I received three notices from TD Bank of new accounts opened in my name. I contacted TD Bank and advised them these were fraudulent. I was assured the accounts would be closed. 

On XX/XX/2022, I received letters that the accounts were overdrawn. I again called to make sure the accounts were closed and TD Bank assured me they would close the accounts. 

Today ( XX/XX/2022 ) I received another set of letters advising that the accounts were overdrawn. I refuse to call TD Bank AGAIN because it takes an inordinate amount of time to have them return my call and they apparently aren't doing anything to close the accounts. 

It is ridiculous how easy it is for fraudsters to open accounts and TD Bank is failing at their due diligence to ensure the accounts are legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX XXXX  DBA XXXX XXXX XXXX was when the bill was paid, that they would remove it off my credit report. Disputed this with XXXX, and they said it would be removed. 
XXXX XXXX has also been disputed through XXXX. That charge was originally from 2010, when the woman processed the applications for that apartment complex, and she didnt ask for payment up front. She instead billed me after the fact. 
I am disputing both negative accounts on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Prosper Marketplace, Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello. Theres has been an illegal action placed onto my credit report. XXXX report. Possibly the others as well. This is an illegal action as Im currently in the middle of a bankruptcy XXXX XXXXXXXX which was filed on XX/XX/2022. As of XX/XX/2022 an illegal charge off entry has appeared by Prosper LLC on my credit reports. XXXX so far. 

A creditor can not place a charge off entry onto the credit report of someone who has filed bankruptcy, after the bankruptcy, filing date, during the bankruptcy, and after discharge. I am requesting that the credit bureaus be contacted and that this charge off entry be immediately removed. XXXX XXXX. Cell number XXXX XXXX XXXX. Prosper credit card number was XXXX XXXX XXXX XXXX. This is a an illegal action perpetrated by prosper LLC from what I discovered. I will also be contacting my attorney next week after the XXXX about this matter as well.

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 2022-03-19
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act, the convergent accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instruction.

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 2019-01-03
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.

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 2020-03-11
Company: Experian Information Solutions Inc.
State: TN
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:
To whom it may concern- Im writing to dispute a charge made to my XXXX credit card after the card was canceled. On XXXX XXXX, XXXX, I called and canceled my XXXX, which held a {$0.00} balance. On XXXX XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX. XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with XXXX. 

After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and XXXX  waived the late fees because XXXX agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the XXXX credit department, billing disputes department, and even resolution managers from XXXX. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called XXXX  to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance. 

Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed. 
2 ) We did not receive a billing statement or email notifying us of these charges. 
3 ) A XXXX  manager already agreed to make these changes and then failed to do so.

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 2018-08-17
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 fraud alerts or security freezes

Complaint:
On XX/XX/2018, I am trying to place a security free on my credit file with Experian. I have try it online multiple time and by phone. I was told to send all my information by mail with copies of my driver 's license and bank statement or other document to prove my identity along with a copy of police report. Their website did not offer online identity verification like other credit beau or denied my request before my identification can be verify online. Why a company allowed to collect and store my information without my consent, without allowing me to opt out of their service, deny my request to put a free on my file, and asking me to provide copies of my driver 's license and other document by mail. Don't they have enough information of us? Now they wanted a hard copy of everything by mail. I don't want to be in their Data Base. Please have company remove all my information off their service if they can not allow me to put a security free online. if they want physical verification please have a physical location where I can visit and prove of identity.

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