BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fed loan uses online address system. I never changed my address w/fed loan or post office. As a result of fed loans system they mailed my bills from XX/XX/XXXX until XX/XX/XXXX to WRONG address. Their mistake! Late XX/XX/XXXX I had requested a forbearance due to my upcoming XXXX XXXX in XX/XX/XXXX. I never questioned not receiving the bills during that time because I believed I was approved for the payment extension. I have provided the information many times to fed loan and they are refusing to correct the XXXX negative on my credit report. I NEVER authorized or changed my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
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 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$260.00} XXXX XXXX XXXX Balance : {$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 2023-02-13
Company: EQUIFAX, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a Citibank customer since XXXX. I had XXXX ThankYou Points expired on XX/XX/XXXX, because I changed the products of my credit cards from Citi XXXX to Citi XXXX XXXX two months ago, and all the points accumulated through my spending on these credit cards expired in 60 days. It had taken more than three years to accumulate these XXXX ThankYou Points. I understand the terms and conditions of the ThankYou rewards program which state the accumulated ThankYou Points will expire in 60 days if I close the related accounts or transfer them to other Citi cards that are not able to accumulate ThankYou Points. However, I never close my Citi accounts, but I just transferred the cards to Citi XXXX XXXX that is indeed able to get cash back and then transfer to ThankYou Points at a $ 0.01:1 ratio, which I thought should be in the ThankYou account family. Therefore, I was totally not aware that my ThankYou Points would expire after I made the product changes. I think the terms and conditions of the ThankYou rewards program is misleading and confusing. Furthermore, I never receive any reminder or notification from Citibank that my ThankYou Points would expire soon. Actually, I did receive an email from Citibank on XX/XX/XXXXXXXX  right before the expiry date ( attached for your information ), which told me I could redeem my ThankYou Points in many ways, but it mentioned nothing about the expiration soon in two days through the whole email. In conclusion, I am very angry about the expiration of my ThankYou Points accumulated in the past three years, with the misleading T & C and without any reminder from Citibank.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear. CFPB My name XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion CREDIT REPORTS on collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Its not my collection. please remove it. 
Thank you. 
In accordance with the Fair Credit Reporting act 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 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had my ID, social security card, passport and purse stolen out of my car while in the process of moving. I explained this matter to " XXXX '' and let them know I do not how this collection appeared on my account. I told them i did not open this account and their response was that they could not help 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 non-monetary relief
Consumer complaint received 2020-04-04
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Looks like western union did not clean up there sloppy mis-management, rampant website issues, even more enraging is there blundering INEPT phone answering employees clue less on what the problem is, cant comprehend what website glitches means, mumble jumble english then handing out XXXX   answers contradicts the issues at hand covers up there own XXXX, reckless incompetence? Example, they gave me problems years ago, NO accountability what so ever, then 3-4 years later I started to use my online account again?! # I just sent {$400.00} to the XXXX last week, no problems, this week I sent {$200.00} no problems, 1/2 hour later I tried to send {$100.00} it blocked me with some idiotic, evasive excuse ( transaction exceeds compliance limit } WHAT LIMIT?! # Who's limit? Anyone can send {$10000.00} abroad before red flags are raised?????? NOBODY accountable or competent answers the phone, passes the buck/XXXX  excuses, example there website care number is interupted with some new backwards automated system, automatically hangs up on you? When anybody answers they seem to be to inept to fiquare out I'm not dialing customer service?! # 3 emails NO accountability let alone intelligent excuse, somebody muddled her response about privacy issue that there sloppy website issues, and/or what privacy issues? MY privacy??? This is my money my online account, my personal banking information/debit card? Nothing has been resolved, NOBODY there competent wants to fix these clumsy incompetent website issues, NO qualified technical support employees??? My online account is still blocked? How XXXX  is that? How many phone calls emails does it take before they fiquare out what brain cells are for, stop lying there customer orientated????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: MoneyLion 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: Account information incorrect

Complaint:
When I opened the Money lion account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company XXXX XXXX XXXX XXXX is attempting to collect a debt in my name for XXXX XXXX XXXX alarm system. I am in. O way familiar with this debt nor is this debt mine. Furthermore XXXX IS NOT the original creditor. I do not know anything about XXXX... I have never authorized any business with Vivent Nor XXXX XXXX XXXX. I have opened a police report and this This account needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was a victim of identity theft and submitted a police report to verify my statement to XXXX and Experian. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.

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 2023-02-13
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with M & T Bank on XXXX. I have made a series of deposit from that time until XXXX. Since that time, my funds have been frozen and unavailable to me in any capacity. I went to an M & T branch at : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX and was told my case was submitted and to wait for somebody to contact me. A compliance officer from M & T contact me on XXXX requesting documentation showing the source of those funds. I provided the information on the same day, clearly explaining and detailing the transactions supported with credit card statements. That officer, ( XXXX, XXXX XXXX ), subsequently emailed me to say that the restraints on my account were lifted. However, that was not true as I still can not access my funds. 
Subsequently, I received a follow-up call from " XXXX, XXXX '' XXXX asking about the same case. I referred her to my email thread with XXXX, but she then told me she can not help and that I had to go to a branch. That's full circle as I started at a branch! That email was on XXXX. I have since contacted the branch multiple time. Spoke with XXXX XXXX multiple times. She can not get a response from whomever needs to review this case. 
At this point, I just need my money back.

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 2020-04-04
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously sent a letter to NC State Employees Credit Union, to let them know that I was a victim of identity theft and I also attach a police report and an FTC report to my letter that I sent to NC State Employees Credit Union. In their response letter they sent me back NCSECU said that after careful review of this dispute we are unable to investigate this claim at the time as the credit union has determined that your letter has originated from a credit repair but I'm the one who actually sent the letter to this company and no one else or any other company helped me out and the letter I sent them wasn't drafted on a form supplied by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called in to customer service for PayPal XXXX, serviced by Synchrony bank, to ask if a foreign transaction fee would be charged for a purchase I was about to make in XXXX. The representative told me they do not charge foreign transaction fees, so I used my card. When I received my statement on XXXX XXXX, XXXX, there was a foreign transaction fee of {$120.00} charged, so I called customer service. The representative escalated the call, due to the amount of the charge, and the account supervisor apologized for the incorrect information given to me prior to the charge, and offered to credit the fee as a courtesy. Since then, I have called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to follow up on the fee reversal, and each account supervisor kept telling me that the fee would be reversed with the credit appearing on my next statement. It wasn't until my call today, XX/XX/XXXX, that another account supervisor told me that the requests for the reversal had each been denied! I was never informed that these were denied ; I was told by an account supervisor on each previous call that the would be reversed!

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 2021-01-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with DSNB Macys Account # XXXX. The reason for writing today is in regards to the late payments showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payments in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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. 

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 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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 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 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. 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, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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