BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
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: Information belongs to someone else

Complaint:
I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXXXXXBANKRUPTCYDISMISSEDXXXX

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 2023-03-15
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: Account status incorrect

Complaint:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and XXXX is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also 2 different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Their was some fraudulent activity on my Macy 's Amex credit card that started in XXXX. I reached out to them and ordered my transactions from XXXX. The amount from the transactions added to {$850.00} from the form that was sent to me, but my balance was over {$2500.00}. I sent an identity theft dispute letter XX/XX/XXXX along with police & identify theft report, and Macy 's transaction form to all three of the major credit reporting companies and Macy 's responded by saying " We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question ''. I followed up with a Second Written Request on XX/XX/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 2020-07-29
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent certified return receipt letter to this company dated XX/XX/2020. I have proof that the company received the letter. I also issued a dispute to XXXX, XXXX, and XXXX. To date, I have received no correspondence from the company and they have continued to report inquiries on my credit report. I did not authorize this inquiry at all, and they had not permissible purpose to make an inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things to my credit report. To this day over 30 days later I have not received a response yet. I feel I am being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress it has caused me. The credit bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

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 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account Transunion & XXXX please remove & delete false account 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 explanation
Consumer complaint received 2023-09-18
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: Credit inquiries on your report that you don't recognize

Complaint:
This Information is Incorrect 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 2023-03-15
Company: EQUIFAX, INC.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ye
ars.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Dates XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was sold to a new mortgage company Selene Finance. On or about XX/XX/XXXX the Selene Finance sent us a loan modification. On the modification they provided the total amount of the loan and claimed owed twenty three payments that we were behind in the mortgage and we owed escrow. The unpaid principle on our mortgage is {$200000.00}. Selene claims that there are payments in the rears and escrow for a Total Cap amount of {$62000.00} which was added to the mortgage. 

My wife and I have been making payments for and do not believe we were ever in the rears on the mortgage for this amount. I put several requests into Selene Finance customer service department and the Loan Modification department for back-up on the Total Cap Amount of {$62000.00}. These requests started on the phone in late XXXX and were sent in writing in XXXX a couple times. Minimal information was provided to us. 

I sent a formal request for documentation was sent to Selene in early XXXX via certified mail. It has been well beyond the thirty days allowable to provide the information with no response. We are asking the Consumer Financial Protection Bureau to step in and help. Selene Finance also provided figures on the monthly mortgage payment that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Summit Horizon Financial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by phone on XX/XX/2023, a XXXX XXXX from XXXX XXXX XXXX  XXXX. XXXX contact number is XXXX. He claimed to be working with the federal student aid office stating that they could help me through the application process for the loan forgiveness for part of my loans. They had much of my personal information, which led me to believe that they were working directly with this department. They outlined a payment plan that they claimed would guarantee me forgiveness for a significant portion of my loan if the initial payments were made. They did not say that the payment amount was for their services, not directly going to the DOE and I was misled into signing a contract with them. I have been charged the first amount but do not wish to continue business with them. Particularly after doing more research and finding them related to Summit Horizon Financial Services which has many complaints on the XXXX for the same issues I had. I would like a refund and for this contract to be nullified, but I also hope to flag this company as a scam so that future students don't get misled like I was.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a business checking account with Chase back in XXXX. They told me the account isn't active and needed me to call them. I didn't call them and thought the account was not open, until I found out they charged me {$15.00} fee and resulted in overdraft. 

So I paid the fee to them. But later I found out they used this overdraft to decline my credit card application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: PayTomorrow, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pay Tomorrow and XXXX completely disregarded the document that I uploaded as proof that clearly shows we made every payment every two weeks since we attained the loan. we have never been 30 or 60 days late. bank statement CLEARY shows this and the refused to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My card was blocked I called and verified all my information with the bank than my account was unlocked. Five minutes latter my account was locked again after spending up to 8 hours on the phone with the bank and going through several verification processes I was than told that the account was under review and that it could take up to 10 days for me to get a response to it. We are in the middle of a pandemic and I have no way to survive. In addition the bank is not giving me any information as to what is going on with my account and why it is under review. My bank is Citi Bank

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 2023-03-21
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt three times and this company has not presented any proof or signed contract that this debt is mines. I have not seen any documents stated I signed up for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-10-13
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the 2 collections with XXXX  and the Collection Agency I.C. Systems by  certified mail, with a return receipt, requesting that they validate the 2 accounts that they are negatively reporting. XXXX  stated that the debt was validated, however when I followed up requesting that they explain how the debt was validated, they never did. I sent a certified letter giving them 30 days to provide that information. I gave I.C. 15 days to provide proof that the accounts they are reporting are indeed mine. When the time passed, I spoke to an agent at I.C. Systems who advised me that I was the one who had to prove that the debt does not belong to 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 2023-11-03
Company: EQUIFAX, INC.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX contacted me regarding a collection debt for monies owed to XXXX XXXX XXXX XXXX for an account I cosigned ( I was informed all amounts due on the account were paid in full ). I responded on XX/XX/XXXX in writing to verify debt and never heard back later learning they reported me to the credit bureaus. I contacted them and they acknowledge receipt of letter with 30 days but did nothing to verify. On XX/XX/XXXX I received a letter from National Recovery Agency ( XXXX XXXX XXXX, XXXX, PA XXXX ) providing an itemized bill which did not show what was owed clearly. I sent them a letter on XX/XX/XXXX requesting back-up to verify amounts on the bill that were not clearly valid. I have never heard back from them to date and learned they reported me to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND INQUIRIES deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have been trying to talk to the fraud department for two weeks on hold for over 3 hrs and 40 minutes without any help as I type now I have been on hold for 3 hrs and 17 min and still no help I am occuring fees for late bills and payment DATE TRANSACTION  NAME TOTALED AMOUNT TRANS TYPE CHARGES IN A DAY XX/XX/2020 XXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX   XXXX POSTED 1 XX/XX/2020 XXXX XXXX POSTED 4 XX/XX/2020 XXXX  XXXX PENDING XXXX XX/XX/2020 XXXXXXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX POSTED 2 XX/XX/2020 XXXX XXXX POSTED 1 XX/XX/2020 XXXX XXXX PENDING XXXX XX/XX/2020 XXXX XXXX XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX I XXXX PENDING 3 XX/XX/2020 XXXX XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXXXXXXXXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX  1 XX/XX/2020 XXXX   XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX XXXX   XXXX XX/XX/2020 XXXX ALL ACCESS XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX  XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX 2 XX/XX/2020 XXXX XXXX XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX PURCHASE 4 XX/XX/2020 XXXX XXXX XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX  XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX  XXXX XXXX 1 Total owed to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: FL
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:
As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.

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 2023-05-31
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a purchase from XXXX, in the amount of {$56.00}, using my cashapp card on XX/XX/2023. However the order was never received and I was fully refunded the purchase price to my cashapp account on the same day. Today ( XXXX XXXX ) my cashapp account was charged {$56.00} for a XXXX order from XX/XX/2023, which I provided visible proof to the Cashapp agent showing where I was charged and refunded and yet charged again to my account. I was sent a statement which shows exactly what I mentioned but have issues receiving the appropriate funds returned from the cashapp team after visibly showing the mistake made on Cashapp 's side.

Company response to consumer: Closed with explanation