BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I'm XXXX XXXX XXXX and XXXX college ( XXXX ) in XXXX with student loans. I needed to take out loans to attend XXXX school a few years later and consolidated my XXXX and graduate loans. I have never defaulted on my loans although I did choose to put them in forbearance for awhile due to financial hardship. After years of working, my take home salary is finally at $ XXXX, which isn't even that much, especially for very expensive California. This means my tax rate has increased as well. It doesn't seem like any forgiveness programs apply to me and there's no chance my loans will be forgiven b/c they are held by a private company. I have a daughter with my ex husband and b/c of his financial situation, I pay for all of our daughter 's activities. I currently pay $ XXXX and at this rate, will be paying for another 6 years. 

I meet the qualifications for being a highly qualified teacher but I don't work at a school. I work as a XXXX XXXX in a low income area of northern California. 

I am asking for my loans to be forgiven. I have been paying them off for the past 27 years and still have 6 more years to go. 

Thank you so much for considering. I have paid more than my fair share of my loans and want to move on with my financial life. My loans are preventing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : SANTANDER BANK NA XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, MA 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 found the following unauthorized inquiries on my credit reports. I have been the victim of identity theft. Please investigate and remove the following items : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am writing to submit a complaint regarding my Bank of America checking and savings account that Bank of America closed without giving me my money. I have attempted to resolve this issue with Bank of America a few times but they gave me the run around and didnt help me at all. The following are the details of my complaint : XX/XX/XXXX I XXXX  my brother XXXX {$3000.00}, which my money was taken out. Few days went by my brother calls me and ask if I had a chance to XXXX  him the {$3000.00}. I went to check and my XXXX  didnt go through..i call bank of america and the guy told me to call XXXX  because XXXX  isnt part of bank of america, so i call XXXX  and a lady i spoke to said that the money wasnt taking out for me to call bank of america, so i went and forth. Nothing was resolve they never gave me back my money they took. I attached my bank statements and you can see that on XX/XX/XXXX the XXXX  show completed, XX/XX/XXXX shows fail, and XX/XX/XXXX shows complete. The last two times i XXXX  my brother XXXX XXXX was on XX/XX/XXXX and on XX/XX/XXXX. On my bank statements shows otherwise. I started noticing money was missing from both my checking and savings account. When i call bank of america they said nothing is missing and shortly after that they closed both of my account. I had around {$140000.00} in savings and around {$120000.00} in checking. Somehow bank of america said i was negative and that I owe {$1500.00} to them. I call them multiple times a day and not one person help me. I dont know what to do, i went to the bank and they said i need to call the number on the back of my card. As it went i just lost all hope. I was never getting my money back. I trusted bank of america with my money and they stole money from me and close my account, i couldnt do anything. If you go my transactions nothing makes sense and the amount is incorrect. Its crazy how many transfers theres is. Bank of america owes me XXXX, and {$6000.00} for the XXXX  that they took from me and claim that nothing happen... please help me. I dont know what else to do. Please they have no right to take my money and not tell me what happen then closed my account. I just want my money that they took from me without my consent. Please help.

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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: TX
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:
My wife and I had approx {$2100.00} in fraudulent debit card transactions come out of our checking account. XXXX XXXX was notified of the transactions, they originally denied the claim without a full investigation. Apparently Chase Bank merely called XXXX XXXX without doing a full investigation and denied our debit card fraud claim. We contested XXXX XXXX denial, now they have reopened their investigation, to include our recommendation to look at ip addresses and states/addresses of the fraudulent activity. Chase has not followed the Debit Card laws in not only denying our request for reimbursement, but also failing to do a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-29
Company: CITIBANK, N.A.
State: CA
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:
I had a Citibank credit card, opened XXXX XXXX, on which I was carrying and paying off some debt. I was on schedule to pay off this debt by XXXX XXXX, and had NO late payments ever. In XXXX, XXXX, and XX/XX/XXXX Citibank alerted me to XXXX fraudulent balance transfers to my account ( totaling approximately {$800.00} ). I contacted Citibank each time I received their alerts and told them that I did NOT make the balance transfers, that these were in fact fraudulent. On three different phone calls- XXXX through XX/XX/XXXX- Citibank assured me that the transactions would be reversed and that I was not responsible for payment. I asked to receive confirmation in writing which they agreed to do, BUT DID NOT FOLLOW THROUGH. 

I made my last payment to pay off my debt in early XX/XX/XXXX. Yet, I began receiving overdue payment alerts from Citibank in XX/XX/XXXX. I checked my account online, only to find that the fraudulent balance transfers remained on my account, thus showing a balance that did not belong to me. I contacted Citibank on XX/XX/XXXX and, after being on hold and being transferred from department to department for TWO HOURS, Citibank again informed me that I owed nothing and that a zero balance on my account would be reflected on my XX/XX/XXXX statement. This DID NOT HAPPEN, and has yet to happen, Now my credit score is being adversely impacted due to Citibanks fraudulent, unresponsive, and irresponsible actions. In XXXX, I opened disputes with the XXXX major credit bureaus ; however Citibank is telling them the fraudulent balance transfers are mine - in direct conflict with what Citibank told me on 3 different phone calls. 

Please help me resolve this with Citibank, so I can move on with my credit score restored accurately. Thank you kindly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
These scumbags once again sent mail here to DEAD ENTITIES/LEGAL FICTIONS. They have recieved XXXX insurance money ... now they can get the XXXX out of my life or each month they'll get a XXXX claim/FEE for IDENTITY THEFT, Administrating Property ( XXXX & XXXX ) without Right, Consent or Contract & Loss, Injury and Harm.. EVERY piece of mail sent here ... a {$300000.00} TORT will be filed. WELLS FARGO has committed FRAUD that they want to ignore and multiple CRIMES under 18 USC 242 .... this abuse will not be tolerated.

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 2023-10-04
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I make monthly payments to the same person to may my rent using the third party company XXXX through my bank account. One time in particular the payment that I sent to my Landlord went to another person and I did not recognize the mistake until nearly a few weeks later. 
I do not know the person that received the money I sent to my landlord. I selected the landlords name from the dropdown menu as I do overtime I send money. The name For my landlord is the only name that drops down because it is the only name that starts with that letter. 
A few weeks later when I was making another rental payment, I noticed an unknown name in all CAPITAL letters for the remaining amount I sent to my landlord. So I contacted XXXX, but because the payment was made from my account, I was instructed to contact my bank and handle the issue through them. I called my bank and explained to them the issue I had encountered and they began to look into it. Starting by giving me a conditional credit for the money missing. 
I then received a letter from my bank saying that because the person received the money I was to contact them. My claim was that I have been making the payments to the same person for months for the same total amount and asked why this did not look odd to them? It was a payment to complete the amount that I had consecutively sent monthly to my landlord. Citibank withdrew the conditional credit, making my account overdrawn and now states that I have to go after this person. I have no idea who the person is or why the name is on this payment. I have no idea who this person is, and when I type in the letters of their name it is foreign to my account, the name is not saved nor is it in the drop down menu for names to select. 
This seems to be a hacker and perhaps the money was intercepted, this is not my fault, and because I made this payment through the company which Citibank has provided, I believe it is their responsibility falls on Citibank and 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 2023-07-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

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 2023-04-06
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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 reportsno consent is fraud. XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$1000.00}. Please remove this information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts on my report that I do not recognize

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 2023-07-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy Pursuant to 15 USC 1681 b2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: LA
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 below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX/Dept of ED # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights. 

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 explanation
Consumer complaint received 2022-12-27
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My complaint is included in the document attached. 
I am seeking monetary relief and deletion of accounts on my credit report due to unfair debt collection practices ( South Mississippi Collections ), inaccurate and incomplete credit reporting, consumer reporting agencies ( XXXX and XXXX XXXX ) not using reasonable procedures to certify the information being furnished to my credit report.

Company response to consumer: Closed with explanation