BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX On [ XXXX 2020 ], Macy 's took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit scorXXXX, which in return affected my chance in renting apartment and financing a car later 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
MY Personal information is not correct on my credit report!! I have contact the bureaus about this issue and nothing have been done... According to FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file ofthe consumer.

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 2023-06-06
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity fraud. Someone wiped out about {$100000.00} from my XXXX XXXX account by opening accounts in different banks and transferring money from the bank. Pentagon Federal Credit Union was one of the bank where part of fraudulent money was transferred. Bank did detect it as a fraud and put hold on the account when fraudster has opened the accounts. However, bank did allow the fraudster to do the bank transaction before account opening requirements were met like proofing documents. I have notified the bank of the fraud and transfer of funds to the bank. Also provided copies of police report and identity theft report. Talk to them couple of times to close the accounts and mark them as fraudulent. However, bank is keep asking for the money which I never received from them. Now they are trying to collect the money. Please see all written attached communication with the bank and reports provided to them. Also attached debt collection notices.

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 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX Transunion XXXX XXXX XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.

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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reposnse. Also, Ive made contact with Transunion multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation. 

This is becoming a very stressful situation to me and my family with inaccurate information being reported on my credit report. I hope this matter can be resolved.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted creditors with phone numbers provided. They say they do not have the ability to remove inquiries and to contact credit bureaus. Credit bureaus tell me to contact creditors. These are unauthorized and fraudulent!! PLEASE REMOVE THEM ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 balance transfer

Complaint:
This complaint is related to my other complaint. I applied for a Bank of America zero interest credit card on balance transfers in XXXX in preparation to my XXXX XXXX  balance switching to high interest on XX/XX/XXXX. I was confirmed my card was accepted on XX/XX/28 and that XXXX would be transferred to pay down the account. I made a minimum payment to XXXX to cover any delay time. However, by XX/XX/XXXX the funds had not been transferred and I was charged XXXX. I called Bank of America and they told me a paper check would be sent to me first by snail mail and THEN I would need to mail it to XXXX by snail mail-a very long process. They said that because I applied online and filled in the XXXX Account transfer online, it made a difference in payment method. ( versus in person or by phone ) There are no BA in my rural area and since Ive done transfers electronically before for expedient payment I assume they would send electronically. They told me XXXX doesnt accept electronic  transfers and to tear up the check WHEN it arrived and they would send another. This was now XX/XX/XXXX. I transferred XXXX from XXXX once again to cover increased interest. It was posted right away on XX/XX/XXXX. When second check arrived at XXXX it was returned as funds not available to which I got a delayed letter explaining. I called both BA and XXXX during this time. XXXX gave me yet another address to overnight yet a THIRD check and BA assured me it would be overnighted. But as of today XX/XX/XXXX no payments have posted anywhere and Im out additional XXXX in interest which defeats the entire purpose. WHO OWNS this problem? BA? XXXX? How could I have known or expected this convoluted process when I make electronic payments all the time through BA and to 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 2022-10-13
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A late payment shows on my credit report with XXXX mortgage. The error was XXXX fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.

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 2021-07-01
Company: FIRST NATIONAL BANK OF OMAHA
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Seven fraudulent charges were made against my Mastercard credit card over a period of three months. I disputed these charges and a decision was made in favor of the vendor because they " have my name and address ''. The first time I disputed, the charge was reversed. When it happened again, even by the same company, the bank would not reverse the charges. I have sent further dispute letters after this unfavorable finding. I have spoken on the phone with customer service and their fraud department but they will not reverse these fraudulent charges. The total was exactly {$29000.00}. When I refused to pay for charges that I did not authorize, the bank has since added interest and late fees which has added about {$100.00} more to the account balance. The bank that issued my Mastercard is First National Bank of Omaha. The return address on my billing statements is XXXX XXXX XXXX in XXXX, NE XXXX. The fraudulent entries on my statement appear as XXXX, XXXX, and XXXX. 
I am not sure who these entities are so I don't have any idea how to contact them. A XXXX search shows XXXX as a bank in XXXX. I am the type of a person who watches charges to my account very closely. I ask for receipts and I balance each and every statement so I know these charges are not mine. I did not make them, I did not authorize them, I did not even have knowledge of the until they appeared on my statement. I want the bank to reverse these fraudulent charges and the associated interest and late fees.

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 2019-06-09
Company: Experian Information Solutions Inc.
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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Basic dispute reason : remove this account because it shows the date of status didn't change/update, this irrefutable proof that no investigation was done ina previous dispute ... delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ),  XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX  XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was (XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.

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 2020-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I reached out to Chase Bank on XX/XX/20 and attempted to settle an outstanding debt. After agreeing to a settlement amount, I was asked if I would like to pay over the phone. I instructed the representative that I would not and instead would like to pay via a check. I was then told that Chase already has my bank account information, and I agreed to pay over the phone. I then responded that I agree to the settlement amount but not to pay over the phone. I then responded that I would pay the amount via money order. The representative then told me that my settlement agreement might not arrive on time as it was coming from The US postal service and that I would not know where to send the settlement if I chose not to pay over the phone. I then responded that I have the right to pay via money order and that If it's through the US postal service, I should receive the letter. This is a case of misinformation and harassment to get me to pay via my checking account over the phone, which I said I was not comfortable doing. After this exchange, the representative said he could no longer hear me. He wished me a good day and hung up. I called chase back and had my bank account removed from their system and had their team confirm where my payments should be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Account was opened XX/XX/2017 by XXXX this company is trying to collect a debt from me which I don't recall ever having business with said company. ask for verification of debt but hasn't gotten any. Am not so sure they are even legal to be collecting any debt in Florida.

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 2019-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX/XXXX duplicate reporting XXXX Never disputed and always in " Good Standing ''. XXXX XXXX XXXX XXXX Same as above. XXXX XXXX XXXX Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I provided documentation and asked that my loan balance be reviewed. I was told someone would get back to me in 14-21 days. On the XXXX day I received and email telling me that they were sorry but due to overwhelming requests they didn't know when they could get back to me. I attempted to call today. The hold time s. After 1 aid it would be 30 minutes! After 1 hour and thirty minute i gave up and wrote a letter an uploaded it along with back up documentation on Nelnet 's portal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX duplicate reporting XXXX Never disputed and always in " Good Standing ''. XXXX XXXX XXXX  XXXX Same as above. XXXX XXXX XXXX Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted claim XXXX and received a call from Wells Fargo but I can not access their response via this portal. Furthermore, they sited terms and conditions but I do not have proof that they have the proper consumer signature. There was a fraudulent check written from this account and deposited by someone. Responses are not satisfactory.

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