BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Transunion on XXXX after receiving an email from XXXX XXXX  about a hard inquiry on my credit report from XXXX. I notified Transunion that I had called XXXX support before contacting Transunion and XXXX had no record of an inquiry on my report. Instead of helping me and correcting their error Transunion said that I had to contacXXXX XXXX for a letter of deletion. After calling XXXX   for a second time, I was told that XXXX does not issue letters of deletion and instead told to come to this website, which does not issue letters of deletion from credit reports. It is also alarming that Transunion had records of everywhere I had lived yet on the hard inquiry for XXXX it listed my address as a place I had never lived. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Which is a hotel, not my place of residence. I have never even lived in that town or stayed at the hotel. 

The company still has 11 days from when they said they would be done in 60 days but I have received no update or information about the problem that they claimed to be working on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: MI
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 more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me and not close this complaint out by saying i didnt send this complaint or this is not authorized by me 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 2020-10-26
Company: Navient Solutions, LLC.
State: FL
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 am writing this letter to you in reference to Navient Account Number : XXXX disputing late payment items reported by Navient to XXXX and XXXX for the period of XXXX XX/XX/XXXX. 

I graduated from XXXX XXXX University in XX/XX/XXXX and began paying off a total student loan debt of approximately {$22000.00}. Over nearly two decades, I diligently made payments to Sallie Mae Servicing and always took my student loan commitment seriously. It was a great feeling in XXXX  to write my final check to Sallie Mae and pay off my student loan in full. During that same period, my loan was sold from Sallie Mae to Navient. And to my surprise, I subsequentially learned that I still owed a very small amount ( approximately {$700.00} ). 

I explained to Navient that I was unaware of the outstanding amount and paid it immediately it. Why would I have paid my student loan for all those years only to make my final payments late? I was very concerned about my credit report and requested that Navient not report my account past due. But was assured that the negative items would be removed. Unfortunately, that never happened. I have repeatedly disputed these negative via electronic means because Navient refuses to take any phone calls on the matter and forces me to correspond only via mail or facsimile. 

On XX/XX/XXXX, I filed complaint # XXXX with the Consumer Financial Protection Bureau. Navient responded by listing the exact dates of notification and attached a scan of a letter that was sent. That documentation cleared up the reason why I was unresponsive and unaware of the remaining debt. During the referenced time period, I had moved from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX. Navient correspondences were sent to the wrong address. 

I have been negatively impacted for years. Given this mistake, late payments should be removed. This inaccurate, unfair, and not in compliance with the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company is titled XXXX XXXX XXXX. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with XXXX and Equifax, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every XXXX weeks since XX/XX/XXXX the account was paid XX/XX/XXXX 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: TD BANK US HOLDING COMPANY
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:
... .... 
TARGET RED CARD XX/XX/XXXX XX/XX/2022 CHARGED ME LATE FEE AND LOWERED MY CREDIT LINE I HAVE NOT BEEN LATE ON ANY OF MY BILLS OR BALANCES ON THIS ACCOUNT EIGHTHER I WAS OUT OF THE COUNTRY & I BELIEVE I MADE A PAYMENT & MUST HAVE NOT GONE THRU. 
I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND PAY IT PROMPTLY IN 3 YEARS I HAVE HAD THIS ACCOUNTN NEVER DEFAULTED EVEN WHEN I DIDNT HAVE A JOB & OW THEY HAVE AFFECTED MY CREDIT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-23
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: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX17and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my checking account was deactivated by Chase, after many years of being a client they could not verify my SSN. They requested me to go to a branch and bring a copy of my XXXX, which I did. In the meantime, my direct deposits from my employers were held. I asked several times to different representatives from Chase if my direct deposits were going to be released after my account was reactivated and all of them said yes. 

After 2 days my account was reactivated. I called several times to check on the status of my direct deposits to which they responded " They will be released soon, you should not worry call us later ''. As I mentioned I called not once or twice but multiple times. Finally, I received an email from the payroll department at my job saying that the bank rejected my direct deposits and they were unable to complete the transaction, therefore they needed to mail me the checks. I called the back and they said " Yes we are sorry, we rejected those deposits " This is unacceptable behavior from the bank, first deactivating my account after several years of being a client, then holding my money and giving me wrong information, and finally rejecting my direct deposits. I have several bills to pay XXXX including rent and credit cards ) and they will be overdue thanks to this bank mistake, for which they just offer an apology when this is not my fault at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive had my Target red card since 2017, clean payment history, never delinquent. I have automatic payments set up from my credit union checking account, currently I was paying the minimum payment. My balance was getting a little high and I didnt want to pay 22 % interest on my balance I saved 5 % on at tik of purchase. I logged into their mobile app, and using the SAME checking account the minimum payment has been coming from, and selected to pay balance in full. A couple of days went by and I received a notice that I was past due. They claimed my checking account was close and payment was rejected, and charged me {$30.00} in fees! I called an told them that is the same checking account the monthly payment has been coming from and it is not closed. I reviewed my checking account history and no debit attempt was made from Target. I called regarding the account which was now 5 days past due and I was treated like a delinquent! They read me the attempt to collect a debt verbiage and they flagged my account with collection verbiage. I spoke with an account rep and they lied and said no fees were charged to my account, but my transaction history shows I was charged {$30.00} in fees. I was told they couldnt reverse a late fee they couldnt see. I was furious, told them to process my payment in full and immediately close my account. I consider this activity fraudulent and was charged additional fees for no reason. They are taking advantage of there customer and not following fair debt practices. My checking account shows the pending payment in full, but my Target account stills shows I am delinquent! This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern, Other then myself numerous family members have been receiving calls from XXXX XXXX XXXX real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Southwest Stage Funding
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing provider recently changed ( effective XX/XX/2018 ). Upon receipt of my first statement, 1. Not only was my current payment not credited ( {$670.00} was due according to my statement from the previous servicer, XXXX, and I paid {$700.00} ), there is another charge for " Total Fees and Charges '' in the amount of {$1500.00}. These dollar amounts don't add up. 

2. There is a charge for " Deferred Balance '' in the amount of {$2200.00}. I have paid this account consistently for many, many years and do not have a " Deferred Balance. '' I have never deferred anything on this account.

3. I requested a payoff from this company once on the phone ( XX/XX/18 ) and twice in writing. I have yet to receive the payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: National Credit Adjusters, LLC
State: MI
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:
The account was paid and I was informed that the account would be removed from my credit reports. 

Please remove the account my credit reports please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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 know the CFPB was trying to help consumers & XXXX XXXX had her heart in  right place but when the law passed & gave banks 9 months to prepare the whole nation got screwed. I was able to pay my payments plus extra always on time. After it went into effect my intrest rates went up from XXXX % to a ridiculous XXXX % on all credit cards & store cards & automatically doubled my minimum monthly payments or more. I didn't buy items at XXXX % but now I have to pay that. It's apparent the credit card company banks were showing their displeasure by punishing every customer. It wasn't just me, I know rich people this happened too, across the board didn't care if you were on time or behind everyone will suffer. 
I kept up with the payments as long as I could until a accident took my job away & cant make those double payments & the crazy intrest rates that never went down which we thought would if we just kept making payments. Now we cant make above the minimum payments so principal balance really never gets touched. I'm filing to repair my credit through negotiations but they all have ruined my perfect credit with one stroke of a pen from DC. I don't want anymore of their help because the Banks just find away around it.Its XXXX, XXXX, XXXX, Citi Bank with Best Buy,  XXXX, Home Depot. 
Respectfully, XXXX XXXX in XXXX XXXX PS many of our family & friends suffered the same fate. from now on its cash only for all of us. Cant trust the banks we bailed out this is how they repay our generosity.

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 2019-08-19
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXXthe Law Offices Of Mitchell reported a medical debt to my credit report that does not belong to me. This debt had already been disputed once with another debt collector and had been removed from my credit report, so the Law Offices of Mitchell must have bought out this debt.

I have not been to a medical facility in at least 10 years. I do not have any liability to anyone else, for any medical payments. This debt does Not Belong To Me. I have had to dispute under identify theft before, with the credit bureaus. In XX/XX/XXXXMy vehicle was broken into and my checks and ss card/ID was stolen along with all of my business equipment. At that time I had to change my bank account information and issue a new ID & SS Card. 

As stated before, this does not belong to me. I haven’t even received a bill to call and dispute, I have already taken it up with the credit reporting companies. This needs to be removed from my report, and not sold to other parties. I am in the process of buying a home, and this debt is hurting my loan which is already in the process of closing XX/XX/XXXX. These people need to figure it out, if they have a copy of the information provided they should share. I don’t believe it’s fair I have to keep disputing the same debt, and the original company- XXXX XXXX XXXX  Of Missouri and the debt collectors keep selling it to a new party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Today XXXX {$75.00} taken without warning. Only had a {$100.00} to my name. 

Different account XX/XX/XXXX {$71.00} also stolen without warning XXXX {$17.00} XX/XX/XXXX {$79.00} All taken without warning or even a letter received before or after.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-12-24
Company: Client Financial Services of Michigan LLC
State: MI
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 got this bill for XXXX $ from XXXX XXXX and I have no idea what it is for. I haven't received any medical treatment for anything that I recall. I tried calling them today ( XX/XX/XXXX ) and the bill I got said to contact them before XX/XX/XXXX so I called them but they said they were closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. 

XXXX XXXX XXXX said I owe {$15000.00} to an old ( XXXX ) Loan? Does not say what type loan. From original creditor, Citibank? I have never had a load from Citibank nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. 

I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.

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