BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The account belongs to my XXXX year old, XXXX XXXX bound, XXXX XXXX aunt and my XXXX year old XXXX XXXX XXXX Veteran father. I was placed on the account in case something were to happen to either of them. My XXXX year old mother and I are also durable power of attorney for my aunt. In XXXX of XXXX ( PRE-COVID-19 ), I was added to the account. My parents and I went to the bank branch and completed the transaction. I was asked to show my license and sign my name, which I did with my current drivers license and legal name. This was all done digitally. I was given no paperwork as proof of what the employee was typing into the computer. In XXXX of XXXX, I requested an ATM card for this account. When it arrived, it had my maiden name on it. I called the bank manager about this error and he told me his bank computers linked my Social Security number to that name and I would have to prove I WASN'T that person. He wanted me to produce additional private documents and bring my parents to the bank again. I told him, because of COVID, I was not comfortable bringing my elderly parents to the bank and especially did not want to give him my personal documents. I told him I would come to the bank and show him my license again. I even offered to show my military i.d . also as a second form of identification. He didn't care. He told me all parties listed on the account had to be present. I explained my concerns over COVID and pointed out that his bank had changed its banking policies due to COVID. Also, I asked how all parties could be present when one of the people listed on the account does not exist. He became irritated with me and told me he had to leave to pick up his child. He refused to fix his bank 's error. I have sent letters to this bank manager, as well as two other corporate agencies in the bank, requesting this ERROR be corrected. I have gotten no response. I have called the 1-800 customer service number for the bank and they told me they couldn't help me. I am now receiving mail in my maiden name at my parents ' home ( the address on the account ), which leads me to believe the bank has released or sold this fraudulent info. I have not had my maiden name in over 20 years and have been married twice since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rubin & Rothman LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX License Number : XXXX Rubin & Rothman LLC is trying to collect {$3100.00} I have never had any financial or contractual relationships with Rubin & Rothman LLC , I LLC d/b/a XXXX XXXX XXXX. XXXX XXXX or " XXXX XXXX '' This is Invalid, Fraudulent ( Scam ) or an Accounting / Data Entry or Mistaken 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 explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with these accounts? 










XXXX XXXX XXXX XXXX ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXXXXXX 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 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 XXXX XXXX XXXX TransUnion 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
hi my name XXXX XXXX XXXX live in XXXX XXXX XXXX XXXX XXXX XXXX ga, today i am wrinting to cfbp on this credit refort. i am try to talk to experian about 2 month now i still not getting anywhere. in this is all company that pot in my credit report all hard inquiries that i only one to check to see am i qaolify or not .what i understand that if sofrt inquiries.that they are not in hard .but soft here some of the company 2 XXXX XXXX XXXX on my experian XXXX XXXX XXXX XXXX tx XXXX they have 2 in there in one month i wan them of 2 discover financia 12 reads way new castle de XXXX same thing i tall them to take of but they not do it XXXXXXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX .ca XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX az XXXX all this company i talk too they tell me nothing they can do only credit bereu can take is of they cant sol today i talk to experian agianXX/XX/2021 the bereau toll me they cant do anything

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 2022-06-02
Company: EQUIFAX, 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 XXXX XXXXXXXX account number XXXX, XXXX XXXX account XXXX and XXXX XXXX account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today I am writing about Navy Federal credit Union for veterans I was denied a mortgage I was denied a credit card called flagship and I was denied an extension of credit I have been a member since 2004 and my credit score is now report XXXX XXXX XXXX with all the three major credit bureaus this bank has something against me and refuses to work with me in any capacity I need help they have been denying me for everything that Ive asked please help. its either because Im XXXX or they have some type of rife with minorities since they are not trying to work with me in shape or form. I want to escalate this matter Immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name across the bureaus is not correct, should just be XXXX XXXX. 
I have a lot of inquiries that should be removed based on time or the fact that I did not accept the terms of the loan/financial product. 
Account issues that are accurate or missing XXXX XXXX XXXX  XXXX XXXX is missing from Transunion XXXXXXXX XXXX  incorrect date for the account open XXXX. XXXX XXXX incorrect date in formation for account opeXXXX XXXX XXXX XXXX - missing reporting on Transunion XXXX. XXXX XXXXXXXX XXXX missing consistent reporting on Transunion and XXXX, date open, and status XXXX XXXX  incorrect reporting, date open, status, payment history, and paid off XXXX XXXX incorrect reporting paid in good status, and not showing correctly across bureaus XXXX. XXXX XXXX incorrect info across bureaus date opened, last used/status, and debt amount, and purchased through another group XXXX. XXXX XXXX XXXX XXXX unaware of account and not reported across bureaus consitently XXXX. XXXX good account paid on time but not reported across all bureaus XXXX. XXXX - account paid on time, incorrect debt incorrect open closing and payment history XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - account sold off but paid XXXX account on time item XXXX, don't own this debt XXXX. XXXX ( XXXX XXXX : XXXX  ) paid on time on issues don't own debt no proof of debt and not reported across bureaus correctly XXXX. ( Original Creditor : ) - medical bill paid, don't own debt, and not reported across all bureaus XXXX. XXXX XXXX XXXX - reported twice, inaccurate, and do not own debt XXXX. XXXX XXXX - paid on time and not reported across bureaus, good acct XXXX. XXXX XXXX - don't own debt, sold vehicle, cleared the debt and inaccurate info on debt date opened, status, conditions of debt XXXX. XXXX - incorrectly reported, information not correct across bureaus XXXX. XXXX XXXX XXXX incorrect information across bureaus, date opened, balance, payment history XXXX. XXXX - paid and not correctly reported across bureaus XXXX. XXXX XXXX XXXX not reported correctly across bureaus, paid on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/XXXX someone opened a XXXX  account in my name and my wife name without my knowledge. In XXXX my wallet and wife wallet was stolen which contained personal information such as driver lincense and social security numbers. In XXXX I noticed a new account on my Experian credit report for XXXX mortage to XXXX XXXX XXXX which I disputed with Experian in XX/XX/XXXX but because there were a few payments made on the account it was verified as current. In XXXX XXXX I filed a police report due to I.D . theft and fraud with the XXXX police department and also with the Federal Trade Commission. In XXXX there was a fraud alert on my Experian credit report that directed creditors to call my phone number to verify my identity before issuing credit and this was not done in establishing this XXXX XXXX account in 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 2019-07-31
Company: Automatic Data Processing, Inc.
State: CA
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:
On XX/XX/XXXX four unauthorized transactions were made using my debit card. The bank, Wisely by ADP deactivated the card and I disputed the transactions. 

XX/XX/XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$79.00} XX/XX/XXXX XXXX   XXXX XXXX {$180.00} XX/XX/XXXX XXXX  XXXX XXXX {$320.00} Today, XX/XX/XXXX, I received a letter notifying me that there was no error and that no credit will be issued. This is unacceptable as these charges are completely fraudulent and these funds were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY XXXX ACCOUNT AND TRANSUNION, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN XXXXredit Inquiries Credit Inquiries - SummarXXXX XXXX TransUnion 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 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 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 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 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 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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Nelnet is the root cause. I attempted to change my IDR plan to SAVE to avoid being crushed any further with interest and high payments on the studentaid.gov website approximately a week into XXXX. At some point XX/XX/XXXX or before, Nelnet showed it was processing the request. On XX/XX/XXXX it showed Status : Complete. Then 3 days later they suddenly decide its not complete and claim to need more information. They claim to have emailed me, but they most assuredly DID NOT. Now they wont respond to emails or phone calls to tell me whats supposedly missing. Ive signed up to auto release my tax info so this is nothing more than a shake down to STEAL money from the working man/woman. 

What good is smooth service on studentaid.gov when my loan servicer just feigns incompetence so they can keep enjoying giants bags of my interest money while thinking of new and exciting delay tactics to add to their playbook of white collar crimes. 

If Uncle Sam really is still number one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts 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 accounts. 
XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are 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 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 2020-06-14
Company: Kriya Capital, LLC
State: NJ
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 filed a dispute with XXXX In XX/XX/2020. I was requesting that a collection account be removed from my report. The collection company is Credence Resource Management. I informed XXXX that I had no knowledge of this account. XXXX  decided in my favor and deleted the collection account from my credit report. A short time later, the same collection account was re-added back to my credit report. I disputed this account again in XX/XX/2020 and XXXX decided against me this time and the collection account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 seventh 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, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-08-01
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the FCA Fair Credit Reporting Act XXXX XXXXXXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation