BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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've seen no changes for the accounts that I have filed last month, I still see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX continues to report to XX/XX/XXXX and Transunion that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2019-06-08
Company: WELLS FARGO & COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Thee were 5 fraudulent charges on my credit card and numerous fraudulent charges on a debit card that was never used. My mom had to make 3 phone calls to get a provisional credit from my debit card and Credit card but after 20 days we did not get credit for 2 of the charges XXXX and XXXX We constantly get transferred and the average phone call is over 30 minutes. today we were on the phone for 48 minutes and got nowhere

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 2020-05-16
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
By my estimation, 99 % of my debts were paid off in XXXX, yet XXXX is reporting a low FICO score for me of only XXXX because it says that I am using 69 % of my available credit. I am using probably less than 1 % of my available credit due to having paid all of my debts off in XXXX with a divorce settlement. I need my FICO score to be higher so that I can get a better mortgage loan to buy a condo. My home of 33 years was recently sold, so I am " homeless '', so to speak. This is a very important issue for me as a single woman. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the owner and operator of a former business, XXXX XXXX XXXX, and we have our bank account with TD Bank. Due to COVID-19, the business has been closed. As a result, I have made multiple requests to TD Bank to close our bank account and have the remaning funds returned to me ( my investment, and I opened the account originally ). They informed me that I must come to a branch in person to close the account, which I am unable to do due to health reasons and concerns around COVID-19. TD Bank 's customer service has continually refused to close my account, demanding that I come into a branch. There is a global pandemic happening, and certain people are at a high-risk. The XXXX has specifically recommended that high-risk individuals avoid public areas/gatherings, and TD Bank has refused to accommodate this. I have contacted the local news stations as well, including XXXX and XXXX XXXX, to broaden the story of TD Bank 's refusal to close bank accounts and making it extremely difficult to retrieve your funds. I am actively in discussions with reporters on this story and they are performing further due diligence. During a global pandemic, TD Bank 's behavior is borderline criminal and should be investigated by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a Home Equity Line of Credit with Citizens Bank ( @ CitizensBank ). I called them recently to see if I could get a lower rate. 

The sales person told me Yes. All I had to do was apply for the new loan, which would be almost a full percentage point lower. Then, if/when approved, I could just cancel my original line of credit. 

Now that I've started the process, sent in documents, and had a credit check, Citizens Bank tells me the rate will be almost a full percentage point *higher* than my existing loan. 

What a bait and switch! I hate to think what this will do to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting outdated information.
XXXX and XXXX XXXX XXXX  are two accounts that should have been deleted in XXXX.
XXXX  and XXXX both deleted these accounts as they should have but Equifax continues to be uncooperative and defiant. They are ignoring the fact that the first delinquency for both of these accounts is more than 7 years old.
I have been denied credit twice in the last few weeks soley based on a report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I attended XXXX College and it was closed for fraud. I have reported this issue and XXXX  says they do not see school as closed. They keep reporting to my credit that I am not paying loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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:
In XXXX I reached out to Equifax to help me remove some unfamiliar inquiries from 2017. They informed me that the company was not able to remove them. 

I continued to file a dispute with all of the credit bureaus. The aforementioned inquiries were removed from every bureau except Equifax. I later received documentation from them listing all of the disputed creditors name, address, and phone contact. 

This made reaching out to the creditors simple. My plan was to contact them and inquire about the proper procedure for handling this matter. Since then Ive been redirected several times. The creditors saying we dont have you on file, contact Equifax. Equifax saying that they dont have the power to remove those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On multiple attempts dating back to XXXX of 2017 I have disputed an unverified account with National Credit Systems , Inc with client account number XXXX and XXXX account number XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called into National Credit Systems , Inc. and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she gave a completely different name and an address of XXXX XXXX XXXX XXXX in XXXX, GA that I have never lived or been associated with. At that time the rep advised I dispute again with the credit bureau and stated that the account should not be reported on my credit bureau report. Well, on or around XX/XX/17 I received a letter from National Credit Systems , Inc addressed to XXXX XXXX ( not now or ever known by that name ) requesting I complete a Fraud Packet with that name. I declined to complete the form because the name associated with the account is n't mine and I was advised the packet needed to be completed by XXXX whom I do not know. After advising this information to the manager when I called in I was told thats what needed to be done for them to move forward with an investigation. As we all know, this means that National Credit Systems , Inc. have NOT verified or can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law. I demand the following account be verified or deleted immediately. As mentioned earlier, the name is incorrect, the social they have provided to the the credit bureaus does not belong to me ( which has caused and alias by the name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX with a social ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have only been issued one social and it does not end with either numbers mentioned and I have not been associated with any name mentioned.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX, XXXX, the credit reporting agency Equifax announced that it had experienced a major security breach that led to the compromise of nearly XXXX XXXX XXXX consumers very sensitive personal information. The breach according to Equifax went on unnoticed from mid-May XXXX through XXXX XXXX. The information included consumer 's names, birth dates, social security numbers, and more. This information is all that a person who wishes to commit identity fraud would need to succeed. This loss of information, and furthermore the mere fact that this breach occurred, is unacceptable. 

As if a breach was n't bad enough, Equifax 's attempt to assuage all of its customers, which is every single XXXX, was lack luster. The website that they set up to check to see if a person was affected, https : XXXX, seemingly does not return a meaningful result ( https : XXXX ). This is extremely concerning, given that when I personally used this website, it claimed that I was affected. If I can not trust the result of this website to determine if I have been affected or not, what is my alternative? Equifax has failed to provide any clarification on this, so I remain unsure if I have been affected or not. In addition, it has been demonstrated that the website was erected in such a short time, that it was poorly secured itself XXXX https : XXXX ). This website asks for XXXX digits of your social security number to verify impact, which if the website being used to check impact is insecure itself, the risk of other people losing their financial security becomes almost guaranteed. 

I can not help but feel totally helpless in this situation, where my financial security, and many other XXXX consumers financial security, is unknown. 

Other references : https : XXXX https : XXXX? outputType=default-article & deferJs=true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I sent payment to be made and the bank took my funds and did not issue payment as i instructed them to do they then tryed to close my account

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 2022-02-10
Company: Client Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieve phone calls all week long and I just received a dozen letters in the mail. This is workers comp and not once in the process did anyone bill correctly. I do not want to be harassed about this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 Capital One 360 checking allowed a unauthorized withdrawal of {$570.00} on XX/XX/XXXX from XXXX. I've never in my life had an account with XXXX. Upon informing Capital One of this I found out they have no clear process to remove this unauthorized and fraudulent transaction. While speaking with employees they aren't able to communicate what actions I have to take to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I woke up on XX/XX/2020 around XXXX XXXX  and realized that my two Chase issued credit cards, the XXXX XXXX and XXXX XXXX, has been removed from ApplePay. I thought it was weird and unusual that it happened so I logged into my Chase Online account and saw that my available limit for both cards have been decreased to {$0.00}. My credit limit was {$23000.00} and {$9000.00} for these cards respectively and had been a customer for 2.5 - 3 years, using their credit card services and almost 10 years with checking/savings services. My usual monthly spending is around {$1000.00} for each card and I have paid my balances in full EVERY month. I called Chase customer service to figure out the problem and after being transferred to multiple departments, I was told that my account was closed because I have closed other accounts with them such as investment banking, etc. I told them that I have NEVER had any of these accounts they claimed I closed, and that I have been a good customer with them for many years. ( I was still using these cards the night before ). I asked for a more detailed reason of why they closed my two credit card accounts, and they told me that there really was no reason and just that Chase decided to " end their relationship '' with me. Personally, I am very offended because I have not done ANYTHING wrong in which a bank decides to close my credit card accounts even though I pay my balances in full EVERY month for the past couple of years, with not a single late payment. Also, I have always had direct deposits every week into my account so they already have my source of income. Please someone address this issue or let me know WHY my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: FORD MOTOR CREDIT CO.
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:
I was checking my credit reports and ford motor company  of XXXX reported that I was late on payment. I have never been late so I disputed all credit bureaus. I called fmc of XXXX and they corrected the mistake and sent to all bureaus but one has not been corrected and that one is XXXX. Ive filed this dispute 6 times and I keep getting the same results. XXXX  says that fmc of XXXX says the report is accurate and fmc of XXXX says they sent over the information to XXXX to correct it but never gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX in XX/XX/XXXX sent my mortgage payment back said the amount was insufficient to cure my delinquency and my account isn't under a payment plan and accelerated the loan every since then they either send my payment back or kelp the payment, now the amount is {$12000.00} as of XX/XX/XXXX is what they are asking me to pay. I have been trying to get answers from them over a year now I wrote to them on three difference occasion couldn't get them to respond to any of the two letter finally they respond to the third letter said there was an error that has occurred on the loan due to a complaint and summons XXXXXXXX XXXX XXXX XXXX XXXX  filed Affidavit for Lien they inadvertently placed the incorrect coding on the loan for monitoring my account which cause payments not to be accepted so this is what the letter states, remind you I send in a payment every mouth they send some back kelp some now they said the current amount is due at this time is {$6900.00} this is still a problem they still have payments they haven't sent back to me yet and I suffer over a year with this error. they order me back in XX/XX/XXXX to do a modification or refinance, or a short sale I told them I have no interest in doing any of those things that I'm making my payments I'm not behind on any of my payments if they had just taken the payments CitiMortgage cause all of this by not accepting my payment.

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 2019-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit report from all 3 agencies on the same date XX/XX/2019. XXXX and XXXX provided me copies of my report but not Equifax. This issue happened last year as well with Equifax. Equifax never responded to my queries or provided a free copy of my annual credit report until I filed a complaint with the consumer protection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended school in XX/XX/XXXX for XXXX XXXX at XXXX College in XXXX, LA. I was unable to obtain a job after graduating. I was able to put into forberance for years. I had XXXX children & my husband was the only one working. XXXX XXXX turns to navient & i continue to keep loans in forberance. I had XXXX more kids to equal XXXX children. I file for my XX/XX/XXXX taxes & there is a problem navient wants {$11000.00}. I call explain my situation, we have XXXX children, my husband is the only one to work, and we DO NOT recieve benifets from the state of any kind. While on the phone they lift the debt from irs, and set up a {$5.00} a month payment plan. I was told to be sure an file injured spouse for my husband we did everything instructed. Not only did they take my {$7300.00} income tax but they also took our {$460.00} state tax. This is unfair to us, we use that money to catch up on bills, take our children on vacation, & buy school supplies and clothes. We did what we were told and they still turned around and took the money. I know i own that debt & i have to pay & i would if i could recieve an affordable payment option, not one big chunk. I do not know how we will survive now.

Company response to consumer: Closed with explanation