BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX( 2x ) ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: CA
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 have been trying to contact Equifax to request my free credit report. But they refuse to provide me with my granted free report. I believe they have some wrong information on my credit report but how can I dispute it without even being able to get access to my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: MA
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:
From XX/XX/XXXX-XX/XX/XXXXI attend XXXX XXXX College ( University ) XXXX Ma, and from XX/XX/XXXX-XX/XX/XXXX Attended XXXX XXXX  College XXXX Ma. I do not recall signing loan checks etc or paperwork for loan payments for the schools to receive payments. After graduation, I struggled to make payments but I did for several years. There was a time I had to file bankrupty for many factors, one I could n't find a job that would offer the salary that would allow me to live normally. Regardless of what the college said of " preparing me to receive a high paying job after graduation. '' I ended up in financial debt and had to file Bankrupty. I reached out to XXXX XXXX and they did not offer any solutions. After some time, they finally offered me different payment options. However, the payment plan was not reasonable and was very high. Deferments and forbearance only took a loan about 10,000 originally, and now it 's over {$33000.00}. Due to other hardships, I have not had the ability to " catch '' up nor have the ability to pay this loan. They have not returned my calls and not have been helpful. I feel as I was taken advantage of financially. They did not reasonably help me find a financially sound way to help me with this debt. It is now three times this size and only increasing. They did not give me options but only profited over the years on my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Nelnet, 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:
There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: RCS Capital Partners, Inc.
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I set up a payment plan. I paid every payment until the last two, struggling with a house fire, and a horrible car accident, I explained I need a week for my new debit card to come, to pay for it. 

The representative was SCREAMING at me through the phone, disrespectful, asking for information that isnt his business, and claiming it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
my credit has been compromised, i never apply for any of this account please remove

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 2021-04-13
Company: LoanCare, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i have tried for 2 weeks to get online into my account. It will not take a password ..locks me out then does not send any code thru SMS text, call or email for me to get into account. The phone line gives you no email and the phone number is NOT OFFERING CUSTOMER SERVICE! I have talked to techs and others when they were giving you the optiion and they state they can not help me. Clearly their system is broken and they do not make any attenpt wither to fix it or assist me in any way. I can not access my mortgage 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 2021-09-22
Company: CBC Companies, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ALL BUREAUS ARE REPROTING WRONG CURRENT ADDREESEES ESPECIALLY XXXX. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Citizens bank account was fraudulently open in my name back on XX/XX/XXXX XXXX XXXX I called to resolve it and was told they would flag my account as fraudulent and I was informed that it would not be able to be open again. I got an email today XX/XX/2022 asking how my recent experience was with Citizens bank. I called them today after seeing the email and the representative told me that I never had a bank account with them. When I read the email address back to them from previous emails about opening an account they confirmed the email address was from Citizens bank. I do not want to bank with them and would really like for this fraudulent account be closed. I have worked hard to maintain a good credit score and I am a week away from closing on my house I can't have this on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.

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 2017-10-05
Company: EQUIFAX, INC.
State: CA
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 XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Bonneville Billing and Collections
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently reviewed my credit report and found that this company ( bonneville collections ) has placed a collection account on my credit report for ; XXXX XXXX XXXX, in the Amount of {$200.00} I do not have any knowledge of this account and this company never sent me a notice to settle this or dispute this prior to placing this on my credit. By law they should have sent a letter giving me 30 days to do this. 


I have contacted them by email about this issue and have not received a response. ( See attached file of email sent to company )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
On XX/XX/2021 there was a fraudulent XXXX charge put on my Bank of America visa credit card account. Bank of America said that XXXX sent them documentation that an authorized user on the account made a purchase and it included an order number, item number, and USPS tracking number. The only authorized user on the account is my wife and she did not make this charge. The day before my wife charged some clothes over the telephone using that card. She gave her name, address, and credit card information over the phone to an order clerk. I believe that information was used to open an XXXX account to make the order. I sent a police report, the reporting officer 's name and phone number, the police detective 's name and phone number that is on the case, and the USPS Postmaster 's statement that the item was delivered to a different address, but in the same city. I included the Postmaster 's name and phone number also. I have called the Bank of America fraud line numerous times, waiting on hold from 15 to 45 minutes each time, but get a different person every time and get nowhere with them. This has been going on for over two months and I'm feeling helpless trying to get my money back.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
//TRANSUNION - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATIONXXXX XXXX which accumulated over {$200000.00}

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 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been disputing with Trans Union regarding inaccurate remarks & also that I was a victim of Idenity Theft. My credit report shows the following do not belong to me : XXXX XXXX XXXX XXXX, & XXXX. 

Federal law requires that Trans Union provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following Inquires deleted : XXXX  XXXX dated XX/XX/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 explanation
Consumer complaint received 2022-04-06
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:
There are multiple XXXX  loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATIONXXXX XXXX which accumulated over {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-06
Company: EQUIFAX, INC.
State: MI
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 several accounts that I think need to be investigated because they are not accurate. There is a letter attached that will explain everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare Mortgage Services have misplaced or not posted my payments 7 times now. I do bank drafts that my bank pulls directly from my account and deposits into their account, however LoanCare keeps stating they didnt receive a payment and call it late when they finally post it 5-13 days later. They intentionally do this to get late fees. My bank has investigated payments and all processed on exact dates I specified. They guarantee this. LoanCare is doing fraudulent things and need investigated.

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 2017-10-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My business account is being manipulated by the bank so that when my checks come in to get paid, the bank freezes and holds the money without paying the check demands. In other works, they 're holding my checks for XXXX to XXXX days for security reasons and allowing electronic trsnsferes to bounce without covering the amounts, even when there is money in the 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 monetary relief
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: MN
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 XX/XX/XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX ( XXXX XXXX XXXX ). I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus Experian, XXXX and XXXX as they are violating the law by not notifying me within 5 days.

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 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 sent letters to all XXXX credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of XXXX showing on my credit report ( that does not belong to me ) or to remove within XXXX days. I received notifications and updated credit reports from all XXXX bureaus showing they had deleted the account in the amount of XXXX} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all XXXX of my credit report 's but this time it 's with a XXXX XXXX agency called XXXX XXXX I never received any notification XXXX days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of XXXX from all XXXX bureaus XXXX, Transunion and XXXX as they are violating the law by not notifying me within XXXX  days.

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 2021-06-10
Company: Happy Money, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
My complaint is that Payoff Inc by Happy Loans should not have closed my online access for my personal loan. 

On XXXX  my bank cleared {$3900.00} as the payoff amount. The following days I could not access my account to confirm if my balance updated to XXXX. 

I reached out to customer service for assistance and they advised that my online account access was closed and it takes up to 48hrs to process any Final Statement. 

I am very frustrated because I am trying to close a home loan and all I needed was an online activity showing my balance of XXXX. The practice of disabling the online account has disrupted how soon I could close my loan and risk of not meeting my escrow timeline. 

As of today, I still have not received a Final Statement or received any indication that my balance is XXXX.

Company response to consumer: Closed with explanation