BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These are not my addresses : 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 2017-12-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 credit card account was charged off and sold to collection agency " XXXX XXXXXXXX XXXX ''. Account was settled and paid in full. XXXX XXXXXXXX provided letter of satisfaction. My original dispute was to update the credit bureaus to update as Payment after charge off/Collection settled - less than full balance. It currently shows Charged Off As Bad Debt. I have sent the letter with my disputes but XXXX will not update. 

I am currently involved in a new mortgage loan. The score is affecting my interest rate and down payment percent.

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 2021-03-27
Company: Merchants and Professional Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Companies involved : Merchants and Professional Collection Bureau ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and XXXX, XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX ) I received a debt collection notice from Merchants and Professional Collection Bureau , Inc. that said I owed money to XXXX, XXXX. I never purchased goods or services from XXXX XXXX and was never contacted by this party with regard to any outstanding balances on purchases I did not make. My credit card information had been stolen some time ago and used by XXXX XXXX XXXX My credit card issuer was able to quickly verify that the those charges were fraudulent, so any attempt to collect on fraudulent charges. I believe this is another attempt by XXXX XXXX to commit fraud and/or allow a third party to fraudulently obtain financial information from me. 

Also, the communication appears to contain a " threat '' to report a debt that does not exist to the three credit reporting bureaus even though the amount in question is below a dollar threshold that would actually be relevant to those bureaus. In other words, the letter is cleverly structured to convince me to pay an amount that is trivial to avoid a scenario that won't actually impact me because the amount is trivial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Eagle Accounts Group, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I applied for a home equity loan and when the bank checked on the property title they found that there was a lean on the property placed in 2019 from Eagle Account Group in XXXX. So I called Eagle Account Group and talked to XXXX told her who I was and gave her the complaint number. She then asked me my birth date and if my middle initial was C, I told her the date and no it was W. then she asked if I live on XXXX  XXXX XXXX. or ever had, I told her no and that I have lived at my current address for over 30 yrs. she tells me that my middle initial doesn't match the address that they have in there file. Could not get any more information from her, she just kept saying I would have to have the bank contact her to verify who I am. I have never received any notice from them about any past due bills or anything ( probably because I'm not the right person ) I don't see how they can just pick a person with the same first and last name and put a lean on they're property. Shouldn't they make sure who they're filing on by checking birth dates and social security numbers or even contacting the person that they pick at random. Now I have bad credit report and a lean on my property for no reason other than the fact that I have the same first and last name!

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 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Since my Bank of America account has overdraft fees and overdrawn due to fake checks that scammed me in 2022, my accounts are both closed in checking and savings accounts and therefore can not be able to open not even a standard account in any of these local banks that we all use to protect our money! My account has been closed not locked but closed and banned, and this requires a solution as soon as possible because these mainstream banks are the forefront of the future and Im basically put out of it. Therefore a solution must be presented by you guys the heroes!

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 2022-03-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CITIBANK, N.A.
State: RI
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:
unauthorized inquiry XXXX XXXX XXXX dated XXXX XXXX unauthorized inquiry, CITI CARDS CBNA, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXXXXXX XXXX XXXXXXXX, XXXX unauthorized inquiry, XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXXXXXX unauthorized inquiry, XXXX XXXX XXXXXXXX XXXX XXXX have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.

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 2017-12-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2017-08-08
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I recently graduated college in XXXX and have just about 90,000 in private student loans from Sallie Mae. I have my federal loans under control with an income drive plan and I am hoping for something similar from Sallie Mae. They want me to pay about {$1000.00} a month for the loans, which I have called numerous times to say that it is too much with the amount I make and other expenses I pay a month. Right now they are 2 weeks overdue and I have been trying to get a more realistic payment plan for about a month and a half with them. I have spoken to someone from the collections team many times and they have taken in account all of my expenses and say the lowest they can go is {$370.00} a month. This obviously is much better, but still way over what I can pay at first a month first right out of college. Between all my loans I have 3 co-signers. My nana, who recently deceased is on about 65 % of them. My aunt who is in no way financially stable is on 20 % of them and my girlfriend who makes the same amount as me and we split our bills is on the other 15 %. Sallie Mae keeps trying to reach out to her even though I said there is no way to reach her and I never planned on using any of my cosigners to pay back my loans and let them know that multiple times. I call Sallie Mae and say I want to be in good standing with you and my credit and make these payments on time so I am trying to work out a plan that I can pay you every month, just not that much. They just refuse to go below {$370.00} a month, which I can not do and want to get a payment I can afford out of college and not default on every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
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:
This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.

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 2021-02-18
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan officer denied loan estimate after providing all necessary information required to obtain one including : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 

XXXX XXXXXXXX Mortgage Loan Officer | NMLS # XXXX p. XXXX | c. XXXX XXXX e. 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 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
capital XXXX credit card has been given a deposit of {$1300.00} from my XXXX XXXX checking acct ending in XXXX, for some unknown reason capital 1 has collected my funds of {$1300.00}. 
but has blocked me from using my credit card to pay bills etc. This blockage may be some kind of harassment. I need my capital one credit card funds available immediately to pay bills etc. please have capital one credit card services unblock my credit card act. ending in XXXX, Can I seek any compensation for this unnecessary harassment, I am a XXXX yr iold senior citizen.on a fixed limited income. I talked to a number of employees on the phone at capital 1 credit cards but they insist they can do nothing. to unblock my credit card. my credit card with capital 1 is called aft union plus credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a bed frame with box spring at Ashleys furniture online dint deliver my bed frame on time just delivered defective box springs waited more than a month for bed frame after two days bed frame broke and box spring where defective spoke to Ashley 's furniture they refused to exchange or returning items contact Synchrony Bank to dispute charge and still waiting after almost 4 months

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the consumer tried to access my consumer report online through freeannaulcreditreport.com and on Transunion.com and I have been unable to access my consumer report online. I contacted TRANSUNION several times on XX/XX/21 and XX/XX/21 to address this issue. After talking with several agents in the online department, the consumer relations department and the fraud department no one helped me and I was told they don't know what the issue is. I have been given the run around and TRANSUNION is blocking me from accessing my consumer report online. I am being financially harmed and this credit reporting agency is breaking federal law and infringing on my right to access my consumer report online. This has been very frustrating and time consuming. I should not have to go through all of the hurdles and gimmicks of being transferred between internal departments just to be told they don't know what's going and they can only send my report to me by mail. This is intentional and willful noncompliance to block me from accessing my consumer report online. I have not had any problems with accessing my consumer report online until after I begin to do complaints with the CFPB about them committing identity theft and reporting information that I did not give them consent to report which infringed on my right to privacy.

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 2021-02-25
Company: CoinZoom, Inc.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/21, I made 2 transfers to CoinZoom to try out their services. I purchased crypto currency with the deposited funds. I was not satisfied with the service as at time I had to purchase in partial crypto instead of U.S. Dollars ( USD ). I had {$1.00} left in my online USD wallet at that time ( see attached screenshot ). After navigating the app, I saw that in order to withdraw my funds, I would have to deposit another {$1.00} and purchase more crypto in that amount plus what I had in my USD wallet ( minimum crypto buy amount ) so I could finally withdraw my funds. Still, I was not able to do that. 
ACH withdrawal directly to my checking account is not available at CoinZoom ( see attached screenshot ). The only other option is by wire transfer for which they charge {$25.00}. 
So I tried to do a wire transfer withdrawal. CoinZoom only allows wire transfers with a minimum of a {$100.00} transfer. My balance is {$39.00}. This means that there is no way for me to withdraw my funds from CoinZoom.

I called CoinZoom about getting my funds back. They told me I had two options : wait until they allow ACH withdrawals ( there are no plans to institute this at this time ), or deposit more money so I can make a wire transfer at a cost of {$25.00} to me. Ive tried ( and kept ) four other online brokers - none of them have no option for refunding your funds. 
Can you please help me get my funds back from CoinZoom in the amount of {$39.00}? Thank you!

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 2023-03-25
Company: EQUIFAX, INC.
State: AZ
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 XXXXXXXX - XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Commercial Recovery Systems
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello CFPB, The company below continues to call, email and harass members of my family asking to discuss stuff about me. They are a collection agency and have acquired a debt from a company I left several years ago but are falsely claiming I owe. They are threatening lawsuit and also emailed said they are going to call around to see if anyone else wants to join on their lawsuit. 

Commercial Recovery Inc Tel : XXXX, XXXX Fax : XXXX XXXX XXXX is one of the many names they use. I called the company and asked for XXXX XXXX and they did not have a person names " XXXX XXXX '' then he emailed and said they use fake names. I have listed only a few of the many emails below with dates I get from them. They have been threatening legal action for months and given deadlines that pass and they still continue to make threats. They know where I live and from what I feel have made vailed threats that they know where I live and my family. They are now calling my family members in a attempt to SHAME my name. 



XXXX : " Your refusal to pay for this legitimate debt leaves us no other option but to assign this matter to legal counsel with a request to file a lawsuit. Unless this office receives the total within 10 days we will send the claim to an attorney in your jurisdiction. Are you sure you do not want to avoid this? 

XXXX : " My client XXXX has decided to enforce the guarantee against XXXX. We will deal with him separately. '' XXXX XXXX Commercial Recovery Inc XXXX On XX/XX/2021, at XXXX XXXX, XXXX wrote : " You need to call me about our letter to you on the personal guarantee ( on you ) portion of the debt we are pursuing. We need to have a discussion or we will send this to an attorney for suit. Be guided accordingly. '' XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response