BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: CITIBANK, N.A.
State: VT
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 involves completely new information about a complaint. XX/XX/2109 I opened an ExxonMobil account and went through the steps on the ExxonMobil website to set up autopay. I have documented that autopay information was entered ( bank, routing and account # ). Apparently, autopay never got established. In XXXX ExxonMobil notified XXXX that my account was in arrears and my credit rating was reduced. ExxonMobil claims they sent me emails notifying me of amounts due. I have no record of receiving such emails. I have repeatedly asked ExxonMobil to produce copies of the emails. Please see the attached PDF file which I just received. They now state they can not produce copies of the emails, but claim that they were indeed sent to me. In addition they claim they know I opened the emails. They can not produce copies of the emails, but know that they were sent - I must be missing the logic here. Their report to XXXX significantly affected my credit rating. Should a reduction in my credit rating be based on a report that the company can not substantiate with records?

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 2019-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My husband and I went through severe financial hardship over the years. He went through XXXX XXXX, lost his business, rebuilt it then went through an embezzlement by his partner. I lost my job, was on XXXX, still XXXX but working to make ends meet.We were not able to make payments. When I tried to make a large payment to catch up the lender said the whole back payments and penalties and fees need to be paid also. I asked for a loan modification and they denied it saying the reason is showed ability to pay When I asked my single point of contact what that meant she was not able to tell me. She said she would contact underwriting and clarify and get back to me and didnt. I also tried to appeal the modification denial but was denied again. Still with no reason The name on the loan is 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 2017-09-30
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

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 2023-08-14
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Today I purchased a {$100.00} vanilla visa debit gift card from XXXX. Upon opening the package I noticed that there were 4 numbers missing from the card number so I went back to XXXX and tested the card to see if I could buy a pack of gum with the card and couldnt. XXXX told me the card was defective and I had to deal with Vanilla. When I called Vanilla their automated voice system does not offer an option for damaged card. After spending hours ( on hold ) waiting to speak to someone I found out that I would need to provide the original packaging, the original receipt, the activation receipt and the card for vanilla to launch an investigation- which would then take at least 30 business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and was approved for a PNC credit card which offered a {$200.00} statement credit for {$1000.00} spent within the first XXXX days of account opening. My account opening date was XX/XX/XXXX and I have not received my credit cards as of XX/XX/XXXX ( XXXX elapsed days ). So the promotional offer is only XXXX  days, not XXXX days. PNC representatives confirmed that there is a credit card production/shipping issue which has delayed delivery of the cards. So they have breached the terms of their offer and are not allowing XXXX  days to receive the promotional credit. I contacted PNC to request an extension to the promotion or reset my account opening date to the ship date of the card and PNC declined both.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
First time they contacted BY E-MAIL was XX/XX/XXXX and the -mail they had contacted me through is one my mother uses that's in my name. I don't know how they even got that one. 

The e-mail had been hacked a month ago and now here it is personal info was on that e-mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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:
I have been a victim of identity theft

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 2017-09-30
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:
I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no balance.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I requested a refund with Aidvantage for the money I have paid from XX/XX/XXXX until now. I was initially told it would process in 6-8 weeks. Ive called multiple times, and gotten told that its taking longer to process and that my timeline was pushed from 6-8 weeks to 10-12 weeks. After that I called and was told 14-16 weeks. I called today ( again ) on XX/XX/XXXX, its now been over 18 weeks and I was told that they dont have a timeline because they dont have any control over the next steps and theyre waiting on it to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Blockchain.com, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transferred cryptocurrency into a Blockchain.com account. Then I transferred the cryptocurrency into a new exchange wallet on XX/XX/2022. As of today, the transfer is still pending and I can not track it. I reached out to support and they said flagged for security check. I advised that I want them to proceed with the transaction and close my account after the transaction is complete which they are failing to do. They are withholding my currency for their own benefits. I asked for an ETA which they failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: GreenSky, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX XXXX XXXX XXXX Veteran, living on a fixed income. After completing my service time in 2013, I have had to have numerous surgeries that have deemed me unable to work. I have had this item that shows as XXXX XXXX XXXX with a balance reporting of {$2700.00} charged off, on my credit report. In XXXX of 2016- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX XXXX in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can help me or even point me in the right direction. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been protected through XXXX credit insurance included in the loan payment. I am unsure what XXXX even is for, as I have not been provided any info at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I submitted a request to Equifax to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name 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 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 2020-02-28
Company: Choice Recovery, Inc.
State: FL
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:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX CHOICE RECOVERY INC Reported : XX/XX/2020 + {$210.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY INC Reported : XX/XX/2020 + {$210.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX   XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25
Company: Regional Management Corporation
State: TX
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:
On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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: Information belongs to someone else

Complaint:
All three credit bureau refocus to take wrong infomation off my report i dont bank account with any of this bank listed and i dont own a car or leaseing a car and the mailing address are wrong. Thier are two possible people that have taken and use my infomation is XXXX XXXX XXXX XXXX or XXXX XXXX but. I belive that is done more by ex husband who is XXXX XXXX XXXX XXXX And i had a freeze on my report and know i cant get it back on. I never give these man permmssion to use my credit. I just want the wrong infomation removed from my report.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
Please see attached, I did not authorized any of these inquiries,

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of XXXX, I called to ask that my card be frozen/ replaced because I had lost it. At the time, they agreed and freeze the card so that no payments went though. 
However, because I had moved, it was difficult to get me the new card because I needed to update my address, but needed the new card to do that. It was all a bit silly, but since the card was frozen, I thought that was the end of that. 

A few months later, In XXXX, I see charges again, and I call to complain. They said that those were subscriptions and somehow circumnavigated the card freeze. I paid that off and demanded that they cancel the card such that no more charges could go through. If one of my subscriptions stopped working, they would ask me for an updated card. 

A month or so later, I saw more charges from XXXX, and called to complain for a third time. They apologized and agreed to cancel the card. The last problem at the beginning of XXXX. 

6 months later, I get charged again, but as I no longer track this card ( believing that CHASE has kept their word and closed the account ), I did not realize this until I started getting texts and emails saying that there was something wrong with my card. I downloaded the app, to confirm my account was closed, and found to my frustration an additional charge as well as a late fee and interest fee. 

I paid off the charge, but called to complain for the FOURTH time, since no charges were supposed to occur on this card that I have not had since XXXX of last year. 

They promised again that they account would be closed but refused to waive the fees they applied to the card despite them only occurring because they repeated broke their promise to close my account. 

At this point it feels like they are engaged in some sort of scheme to keep the account open so that I get charges and fees. I am not seeking government help in getting this company to close my account. 

If I need to go to court and file a small claim against them over the fees I will, but this all seems absurd, and I would prefer to leave on somewhat more amiable terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-30
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I wrote XXXX XXXX a letter stating the activity is not mine on the account and the bank would not listen to me at all. XXXX XXXX is closing my account and charging me over {$3000.00} for charges they are not mine and I would like this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation