BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Glacier Bancorp Inc.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a check when I was homeless to become a mystery shopper. I did it. But bank after cashing it said it was a scam. XXXX XXXX and to have these things happen, I cant pay for because its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: SC
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:
So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute hard inquiries that appears on my credit report, which I firmly believe unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XX/XX/2023

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 2023-08-10
Company: Sunbit, Inc.
State: IN
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:
Sunbit reported my account when XXXX and XXXX payment were made in time. They have a 30 day grace for payments to be made and before they report to bureaus for being late. I actually spoke with a Supervisor and was advised that my XXXX and XXXX payments were made on time late and within grace period given for XX/XX/2023 and XX/XX/2023. I sent over an attachment for review and was replied back with inaccurate info -that payments were late and my payments were actually made on time I have bank statements and payments can be seen per my account when payments actually posted. This is a clear violation of my rights and I am requesting that my Credit report is updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CITIBANK, N.A.
State: FL
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 a BestBuy Credit Card - serviced through CITIBANK.

My BestBuy Account was paid in full with XXXX Balance. 
Most recently I began receiving calls and voice messages from a recording stating the call was pertaining to a " balance due '' on my BestBuy Credit Card.

Odd, I did I have not made any purchases, nor have I authorized any purchases.

After attempting to call the CitiBank Credit Card Services for BestBuy, I was informed I could not file a " dispute '' until I spoke with a representative at Best Buy about the charge. 
I called the Corporate Number for BestBuy, after on hold for 94 minutes, without being able to reach a live person. I then called BACK CitiBank Credit Card Services for BestBuy and firmly requested a FRUAD DISPUTE be placed on my account. 
I representative stated that since this charge was made by the " XXXX  '' I was required to " Work it out '' with them directly! Whaaaaaaaaaaaaaat??? 
FRAUD, FRUAD, FRAUD! 
Please assist!

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 2022-10-27
Company: Unifin Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Unifin XXXX  times via their online portal and XXXX via chat to ask for documentation of validation for the debt. 

When on chat I was told they were only a collection agency and didn't have that information. Was also told there is no statute of limitations on debt and it will always be connected to my SSN. I denied this and asked again for validation and they stated they would note I was unwilling to pay. I tried to say this isn't right and they ended the chat. I have screenshots of this conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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, XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.

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 2022-10-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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 never signed a mortgage with Truist Mortgage or had a mortgage since XXXX. 

Truist Mortgage acct # XXXX reported to XXXX CREDIT BUREAU as having a mortgage relationship with me. The one and only mortgage I have had was null and voided in XXXX and my credit file was to no longer be touched after XX/XX/XXXX by anything included in the process. 

Truist Mortgage has never had business with me and should be removed off my XXXX 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 2021-09-13
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contact Pheonix Financial Services via email about a debt I saw on my credit report from them. I stated that I did not have an account number and that if it was medical debt it belonged to my ex-husband per our divorce agreement in 2019. 

I received a reply from : XXXX XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX toll-free XXXX general fax XXXX Correspondence was as follows : Me : I see a debt from you on my credit report. No information about said debt. No account number. Nothing. If this is a medical debt, I divorced and it is in our legally binding divorce agreement that my ex husband is to cover all medical debt. If this is a bill that never got sent to our insurance, I can not help you because I have different insurance. If you have no idea what this debt is, either do we. 

Her : Thank you for your inquiry, please provide an account/reference number in order for us to assist you. 

If you do not have one we can try locating by any of the following : Address, phone number, or complete social security number. I apologize for any inconvenience. 

Me : The address this mail should go to is XXXX XXXX XXXX XXXX Ohio XXXX. If it isn't a medical billl, then I have no idea what it is and it is probably not my debt. I have no account number because I have never seen this bill. 

Her : That address is not associated with an account in our system. I can try to locate the account with your phone number or social security number. You may also call XXXX and a representative will be able to better assist you in locating the account. I apologize for any inconvenience. 

Thank you, Me : I feel like a search by my name would be adequate if it was a legitimate debt. I feel like this is a phishing scam. The date of your debt corresponds to the address I gave you. I suggest you send out an actual account number to that address identifying yourself and the account in question. I will not give any personal information to a possible scam. 


This debt is XXXX dollars that keeps hitting my credit report over and over. I mean, it is XXXX dollars. My ex husband would have paid XXXX dollars had he seen a bill that was legitimate. 

I don't know what this debt is and I am not getting answers, but my credit score has suffered to below XXXX now because of this mystery XXXX dollars that no one can tell me about unless I give personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All addresses need removed. Except 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 explanation
Consumer complaint received 2023-11-14
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Sallie Mae has been providing misleading advertisements about scholarships through their scholarship programs and platforms such as XXXX and XXXX. Sallie Mae has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Sallie Mae has known about the practice for years and continues to mislead students, knowing that the students will become victims of scholarship displacement. Sallie Mae uses their scholarship platforms, XXXX and XXXX, to force students to get their loans once they become victims of scholarship displacement. Sallie Mae must be investigated for their misleading and predatory advertisements and practices. I have added new information to this complaint with a screenshot of how Sallie Mae uses their scholarship businesses to steer students into getting their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My brother & I opened a chase checking and savings account this year. We tried using XXXX 3x and our acct was locked. Each time we went to the branch to unlock it ( the 3rd time we spoke to the branch mgr Mr XXXX ) and he assured me it was fixed but that the retail banking function is mged by the back office, not him. After this, we couldn't take money out of the ATM. When I deposited a check from chase to another bank, a charge was made of {$25.00} w no explanation. I called the XXXX number XX/XX/21 and spoke to 2 supervisors. They claimed they couldn't hear me, said they would transfer me to account services which manages my acct and then I was disconnected. I am currently able to see the acct on line but can not do any transactions like atm, transfers, XXXX. The branch I went to is in XXXX  on XXXX XXXX. After I was disconnected the 1st time I called the account services number I was given XXXX and was disconnected again. I believe that someone in the bank has taken illegal control of this acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax consistently keeps lying about an investigation into an existing issue. 

Basically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. 

I then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. 

Shocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. 

I sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. 

I received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. 

Basically Equifax lied the whole time about how they Investigated and that is not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/ : Deposited {$20000.00} to Marcus XXXX Account from XXXX XXXX XXXXXXXX XXXX Account. 

XX/XX/ : Marcus XXXX Account locked, called the bank and they said they need to close my account and that I will receive a check with my deposit in the mail. 

XX/XX/ : Hadn't received my deposit in the mail so called Marcus again, they said they needed to take an extra step and that they will return my deposit to XXXX XXXX XXXXXXXX XXXX Account. 

XX/XX/ : Hadn't received my deposit in my checking account so called Marcus again, they said that my case was " under review '' and that they can not disclose how much longer it will be " under review ''. 

Essentially, they've been holding {$20000.00} locked without recourse or any transparency on when I will receive my funds back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: Upgrade, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I logged into my upgrade account to make a change to my bank account for my ACH payment. I was closing out another account and needed to switch it. I received a confirmation email from the company that my ACH had been cancelled and a new one was set up. However, the payment was still taken out of my old bank account and the new one on XX/XX/XXXX so I was charged twice for a payment even though I had confirmation my original ACH had been cancelled. I called in to report the dispute to Upgrade on XX/XX/XXXX. They took the information over the phone and the rep even said I can see where the payment was taken out twice. She told me it would be 7-10 business days to get my money back. After hearing nothing back I called them today and was informed my dispute had been denied on XX/XX/XXXX - the same day I called in. I was never notified of the denial. I have now incurred overdraft charges on my bank account I am trying to close as well. They told me I was denied because one payment was an ACH and the other came in as a one time payment. I never made a one time payment. I simply went in and updated my Bank Account information for the ACH. I never requested a separate one time pay - I just wanted the payment to come out of my new Bank account. I am providing two confirmation emails I received. One showing autopay was disabled / this was for my old bank account. The other is for enabling autopay on my new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed because someone stole my information and committed 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 explanation
Consumer complaint received 2023-02-04
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a XXXXXXXX XXXX XXXX administered by Comenity Bank. I made a final payment of {$46.00} in mid-XXXX XXXX and asked that the account be closed. 
**On XXXX XXXX XXXX, I received a letter from Comenity 's Customer Care Team . The letter states three specific points : ( 1 ) " Your account is now paid in full. Your talbots credit card balance has been {$0.00} since we received your payment of {$46.00} on XX/XX/XXXX. '' ( 2 ) " We've closed your account, as you requested. '' ( 3 ) We've shared this information with the three major credit bureau reporting agencies. '' Taking the letter at its word that the account had a XXXX balance and had been closed, I assumed the account had indeed been closed and never used the card again, making no further charges or payments. Neither XXXX nor XXXX ever reported it as an open account since XX/XX/XXXX. 

**On Friday, XXXX XXXX XXXX, I received a notice by email that my account was " seriously overdue. '' The notice included a current balance of {$160.00}, apparently in accumulated interest and fees on an account with a XXXX balance as of XX/XX/XXXX and no further use since that time. 

**On Wednesday, XXXX XXXX XXXX, I spoke by telephone with " XXXX XXXX a Comenity Customer Retention Specialist. She informed me that I had no option but to pay the accumulated balance. 
I want to pay what I legitimately owe, but I do not believe I should be forced to pay interest and late fees on an account that was reported to me to have a XXXX balance, that was closed more than eight months ago, and that has not been used since. Please look at this matter and give me some assistance. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/21 I was cold called by an agency XXXX XXXX XXXX XXXX XXXX XXXX stating that they were in charge of a delinquent bank ( Fifth Third ) account I once had. They mentioned the bank branch by name and they had my social security number, along with an old and current address I had. The amount they originally wanted was about {$1300.00}, and had been reduced to {$710.00}. After making the payment and receiving the emails theyd mentioned I would receive XXXX a settlement letter with case number and receipt for payment ) I decided to call the company to ensure all was well. The call answer had an automated response that seemed fishy. To my dismay, XXXX searches indicated the company was a fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

XXXX XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$5300.00} XXXX XXXX {$3100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX XXXX. I would like to submit a complaint about a lawsuit against me from Discover credit card company regarding a fraudulent amount of {$2500.00} dollars. The actual amount that I owed is {$1000.00} dollars, not {$2500.00}. I called Discover credit card company to make payment arrangements for the original actual amount of {$1000.00}, but they made some excuse for not to lower the amount. If they allowed me to explain further I wouldve explained to them is the reason I stopped paying was due to the fact that I had to quit my job to take care of my grandma. Initially my mother was taking care of my grandma until my mom got XXXX. After her XXXX my mother was no longer able to take care of my grandma, so I had to step up and help out.

Company response to consumer: Closed with non-monetary relief