BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: IL
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 have contacted Equifax so many times to have these accounts removed from my credit reports. I have filed a police report & Identity Theft report to prove that these are not mine. The Dept of Ed/XXXX accounts listed on my credit report do not belong to me in the amounts of {$5000.00}, {$4300.00}, {$3100.00}, {$6700.00}. These are also inquires that I have not applied for or authorized to have anyone access to my credit report XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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 was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans reflect as ok for one month and jump to 90 days late the following month. I don't understand how you become 90 days late in a 30 day period. I've disputed this with all 3 credit reporting agencies. On XX/XX/XXXX I received notification that my dispute filed with one credit reporting agency has been completed. While reviewing changes made to my payment history, I noticed they only corrected one month, XX/XX/XXXX but changed XX/XX/XXXX to 90   days late so nothing was actually fixed. The reporting reflects incorrectly jumping from ok 1 month to 90 days late the following month going back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
THE ACCOUNT NUMBER WITH BANK OF AMERICA, I WILL GIVE LATER. THE COMPANY IS CHARGING TWICE FOR LATE FEES AND INTEREST. I WAS UP TO DATE WITH MY CARD IN XXXX. IT IS NOW XX/XX/XXXX, I CALLED COLLECTIONS AND THEY ADVISED IT IS ONLY 1 MONTH OLD. THEY HAVE CHARGED ME OVER {$700.00}. WHEN I CALLED, AND I CALL EVERYDAY TO TRY GET THIS RESOLVED THEY ADVISED THAT I CAN NOT DO A DEBT SETTLEMENT FOR ANOTHER 5 MONTHS. ALL I AM TRYING TO DO IS RESOLVE THIS DEBT. WHAT THE GIRL ADVISED ME ON XX/XX/2021 IS THAT THEY ARE CHARGING ME OVER {$220.00} A MONTH. THEY ARE GOING TO LET THIS ACCOUNT RESET AND BUILD UP MORE INTEREST FOR ANOTHER 6 MONTHS. THIS IS A VIOLATION OF FDCPA. ( CHARGING ME TWICE FOR INTEREST AND FEE AND LATE CHARGES. I WILL HAD MEDICAL PROBLEMS AND THEY WILL NOT WORK WITH ME. I MAY JUST FILE BANKRUPTCY AND THEY WILL NOT GET NOTHING. ACCOUNT 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 2021-08-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I noticed 2 {$15.00} maintenance fees for falling below the minimum balance of {$100.00} on XX/XX/XXXX & XX/XX/XXXX when the statements shows I had the required amount to offset the fee.I spoke to XXXX who insisted they were correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09
Company: CITIBANK, N.A.
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:
Hi All, I am writing this email in great distress and I am forced to include the global senior leadership in the email because of the attitude that Citi Bank XXXX carries towards its customers. The services are a complete shambles and I would not expect such type of services from a brand like Citi Group. 
To begin with, I received an SMS on my mobile number on XXXX XX/XX/2019 stating that a transaction of XXXX   XXXX has been processed on my account via XXXX. This transaction was not done by me so I immediately called Citi Bank and requested them to look into it. 
The lady on the phone raised a dispute and I was advised to raise a police complaint. I emphasized that I am presently travelling so it is not possible for me to visit the police station. Next, I requested her to escalate the call since I didnt get the help. I was told that she will not be able to transfer me to a manager. I informed the lady that she can not deny an escalation to the customer. This is when XXXX XXXX ( Emp ID XXXX ) came on call and the manager was again not a helping guy. He did raise a dispute with ID XXXX but he said he cant commit anything to me. On repeated request of escalating the call, there was no escalation. I was told I will get a call back by his senior manager. I did receive a call back on XXXX XX/XX/2019 at XXXX XXXX and I informed the escalation team that since I am in a meeting, they need to call me back in an hour. With a promise to call me back in an hour, the lady disconnected the call. I still havent received the call. I am not sure if this level of customer services is restricted to XXXX clients or if that is the global service level. 
Citi Bank allowed a transaction without an OTP and it further refused to help. I am sure that this mail is going in trash as well since you guys do not care about the customers and the issues. In this email, I am requesting you to address the issue, listen to the call recordings and take action. This is certainly the worst customer service team I ever dealt with. I ended up calling XXXX Support and the lady on the phone was much more helpful than the senior manager from Citi Bank. I was not given a resolution, I was denied escalation and I was not given the contact ID for XXXX Officer after repeated request. 
All this has caused a massive amount of mental agony and distress to me. I am also reporting this to Ombudsman since Citi Group fails to keep the commitments. 
For your reference, the credit card number is XXXX XXXX XXXX XXXX and my contact number is XXXX XXXX ( just in case someone decides to deal with the issue Thanks XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
Back in XXXX I noticed All XXXX Credit Bureaus that Ive been a victim of identity theft. A fraud alert was requested at that time. As of now it seems as nothing was done. Its still multiple fraudulent accounts, address & inquiries on my files. 

The Following Address need to be removed 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 3. XXXX XXXX XXXX Ct XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following inquiries 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXX The following accounts are fraudulent, per FCRA XXXX. But for some reason they keep saying its been verified. How was is verified. Because Ive never done business with these companies, or entered into a written contract. So please tell me how are you verifying this. Ive sent multiple FTC reports. Per the Federal government thats what I was told to do. No one can over ride federal law. Please Block these fraudulent accounts from my credit file 1 XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5. XXXX XXXX  Acct # XXXX 6.XXXX acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # 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 2019-05-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited {$40000.00} at Citizens Bank in XXXX, MA, Saturday, XX/XX/2019 on a check written on a XXXX account from a large foundation to my non-profit organization, XXXX XXXX XXXX. I was told that the funds would be on hold until today, Wednesday, XX/XX/2019. 

When I went to withdraw the funds today, I was told by Citizens Bank that they were placing a hold on my account until XX/XX/2019 based on non-verification and release of funds from XXXX When I went to XXXX today, they gave me a written document showing that the funds had been released to Citizens on Monday, XX/XX/XXXX. 

When I returned to Citizens today, I was told that they could not correct it or release the funds. The Regional Manager has been told about this and is supposed to contact me, but has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
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:
Transunion is reporting incorrectly that I am 60 days past due on the WFDS/WDS partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
***CFPB - DO NOT CLOSE AS " DUPLICATE '', THIS IS THE SAME BANK BUT A DIFFERENT ACCOUNT***!!! 

On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated " Your Bank of America Credit Card bills have been set up to be delivered to you electronically through Online Banking '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing - again - for paperless without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.

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 2021-08-17
Company: SYNCHRONY FINANCIAL
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:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off 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 non-monetary relief
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: NY
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went on the " XXXX XXXX XXXX '' website and was referred by General Motors/XXXX to XXXX XXXX. I took the vehicle home on the advertised, `` drive our car for 3 days and if you don't like it, return it without every purcharsing policy. 
I attempted to return the vehicle on XX/XX/2018, the day after I took the vehicle home and was not satisfied with it. General Motors/XXXX and their agent XXXX XXXX signed my name to a fraudulent sale, in violation of laws of the State of Michigan and United States Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Capital one contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the Capital one contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. My account was paid and the agents still call me. 

Acct # XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Diversified Adjustment Service, Inc.
State: NY
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:
There is account on my report from XXXX for {$3100.00} I tried calling XXXX and was unable to resolve the issue. 
I had closed the account back in 2018 - all devices were returned back. The amount being collected from XXXX is not correct. 
I want this account removed from my credit report. 

This credit company has never intended to contact me or send me any mail about this. this just showed up on my report. I tried calling this office : DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Very unprofessional could not provide me any information. This is a scam I want this off my report Or I will be contacting other agencies and the business bureau and other official offices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-10-09
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX I just think my mom and her friends are using dark web to get into my account My transactions include XXXX cable and mobile dont want her locked up or nothing just want help to get out this situation its been happening since I was young. Things start looking good then outta know where alot of switching im not perfect by any means but I've worked for mines I want her to have her own not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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:
XXXX, XXXX  and Equifax refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MO
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an automated email from Freedom Mortgage notifying me of a potential breach of my account. 
I followed the notifications instructions and called Freedom 's customer service number immediately. 
The CSR did not understand the situation or my concerns and told me not to worry, and that I should just ignore it because it was probably an error. 
I asked to speak with a supervisor and was promised a call back the next day. 
I did not receive a call so I followed up in writing requesting an explanation of the situation and assurances that my personal, sensitive information was being adequately safeguarded. 
A week passed with still no response from Freedom Mortgage.

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 2018-01-31
Company: Navient Solutions, LLC.
State: OK
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:
Filed for bankruptcy on XX/XX/XXXX. XXXX  flagged my credit report with the bankruptcy information. All the companies I filed on also reported " debt included in discharge through Bankruptcy ChapterXXXX '' with closed. Including Navient, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. XXXX has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX transferred two items on our cell phone account totaling over {$6000.00}. We had XXXX XXXX with XXXX come to Our house and do an interview. XXXX could not justify these amounts or how someone transferred money out of a cell phone account. The Nebraska XXXX Department gave us a case number. We returned all devices that were not owned by us with the agreement XXXX would unlock devices we had out right paid for and owned. XXXX never unlocked those devices and therefore the agreed amount of {$300.00} we did not owe or pay. They have since just recently damaged our credit with another amount of over {$1400.00}!!!! The collection source they have it to will not collect on this as fraud was involved. How do we get this Virtuoso collection mark off our credit now??

Company response to consumer: Closed with explanation