BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1962 financial institutions are supposed to notify you letting you know they are going to report information to a non affiliated third party. 

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 2022-09-09
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a credit card with Costco /Citibank once in a while I use the card at XXXX but then I stopped because I preferred to shop at XXXX XXXX XXXX. Paid the minimum charges every month without any problems. Then the pandemic hit us which caused a lot of financial headaches for me as I am a full time caregiver to my wife who is a XXXX survivor but had a XXXX and now she is permanently XXXX. Fast forward I was behind in paying some of my bills to point that I reached out to some of the creditors and made arrangement and paid but then when I reached out to Citi I was told my account was closed and that I will contacted by another company. When I asked why, I was told that I was late in paying my balance of which it came as shock to me when I was told I owed over {$2000.00}! That was a red flag but they could not help me at all. So I believe I am victim of identity theft. I did not spend that much on that credit card with Citi.

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 2022-01-11
Company: Experian Information Solutions Inc.
State: TN
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:
Collection account on my credit report that is not mine.

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 2023-09-27
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
We received a public email today showing our home being in pre-foreclosure. I have no knowledge of this matter and even contacted my mortgage company ( XXXX ) and asked if my loan had a second attached to it and was told no and that we are in excellent rating no missing payments. The trustee I guess representing the bank filed this pre-foreclosure and referenced a DEED OF TRUST signed in XXXX. We have never been notified regarding a default and thus never thought we had any outstanding payments.The debt as such was being reported as account closed and ( " WRITTEN OFF ) BY XXXX XXXX XXXX Now there is a substitute trustee representing some company Specialized Loan Servicing LLC? / XXXX XXXX, ( out of business also ) We have never hear of this company or that we owe the {$73000.00}. We do not know who this is and we have never been contacted regarding this amount. The original loan was in XXXX and shortly afterward the company XXXX went out of business and we noticed that the second mortgage was listed as written off. It does not show on any of our credit reports and has not for quite awhile ( XXXX ). We never heard anything else.I am sure we are the victims of a XXXXXXXX XXXX since the equity in our home is now more than doubled. How do we stop this action and to my knowledge AZ has a statue of limitations of 6 years regarding contract mortgage debts after they reach the date of maturity ( XX/XX/XXXX ). How can someone just show up and say they have the authority to file for pre-foreclosure and even the primary loan company has no knowledge? We have had no previous contact with any of the companies listed in this complaint and there has never been any attempt to notify us of any impending action until the pre foreclosure notice. XXXX does have regulations regarding providing notice to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Avant Holding Company, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Avant is or was reporting to credit bureaus an amount of around {$6800.00} plus interest accrued on a loan I applied for, did not receive, funds were deposited into an account which is not mine, incorrectly. Avant claims to have charged off the balance after letting interest add up and reporting it for several years to major credit bureaus. It appears Avant used this tactic, letting interest add up and report account to bureaus, as a way to attempt to collect on it.. If charged off, the account needs to be removed from credit bureaus. I have not been able to confirm removal from credit reporting to date, however, as stated in prior CFPB complaint, the loan was applied for electronically and Avant has little to no proof I owe such debt and needs to be removed from credit reporting if in fact reported.. Their rep seems to imply I need to make payments by providing their payment information, in which case, no payments will be made as loan was not received and has been charged off.

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: 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023 I received an alert from XXXX stating that my credit score has decreased and that an inquiry was made from JPMCB CARD SERVIES ( known as JPMorgan Chase Bank ). I then contacted them to investigate on this inquiry in which I was told by them that someone accessed my chase account and applied for a credit which was approved on XX/XX/2023. The rep advised me that although the account was opened the card had not been sent out yet so she was able to close the account in time. The rep was also able to confirm that the Checking/ Saving account I have with them is still secure but I was still able to change the password on my account as well as add a voice authenticator passcode incase I call to access my account over the phone. 
My SSN was stolen a few years back and I am nervous to think that I am now vulnerable to this happening again but this time with another company which will impact my credit score even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 received an alert from my bank 's credit monitoring app on XX/XX/22 that there was a change to my credit report. When I logged in I discovered that my Transunion credit score had suddenly dropped XXXX points, lowering my credit status from XXXX to XXXX. In my investigating further for a reason for this drop in my score, I could find nothing - no new credit inquiries, no change in my status, all my accounts paid on time, nothing in arrears. 
I contacted Transunion by phone on XX/XX/22 and spoke with a customer service representative. He looked at my account and agreed that he could see no explanation for my score suddenly dropping XXXX points. When I asked him how to rectify the issue and restore my score to its original status, he became very vague and offered no solutions. He implied that there was nothing that Transunion could do, and tried to make it sound as if Transunion was not the culpable party, even though it's Transunion 's credit score. When I pressed him for some action from Transunion to restore my credit score, he said only that he would make a note in my record and told me I could call back in 5-7 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 2023-08-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
VenMo suspended my account and the only communication I received was an email referencing another email which was never sent. There is no summary of the reason ( s )? why the account was suspended nor has anyone provided me with any remedy. 

Of primary concern though is VenMo 's repeated request for me to upload a copy of my government issued ID ( which I've done twice now using the link provided in an email ) yet VenMo is sending communications which indicate they have not received the file. I'm sending a document filled with PII and the instructions from VenMo appear to not be correct so where is my email and the PII going? 

Oh, and my account was suspended making a payment to a tenant to return their security deposit. VenMo suspended my account then still took the money from my account but now I can reactivate my account because there is no one providing the needed instructions to " unsuspend '' my account and I can't cancel the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I'm not liable for this debt with XXXX XXXX XXXX, and i do not have a sign contract with collection agency trying to collect, reporting on my credit file, they did not provide me with the original contract that was requested showing the bill of sale and payment history,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Merchants Credit Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a part of a data breach which resulted in my information being stolen and used. Since it was a data breach for the company I worked for their legal team handled all prosecutions. I am attaching all documents related to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Bread Financial Holdings, 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:
Today is XX/XX/XXXX. I just called Comenity Bank asking them where the check is they notified CFPB about. After being transferred 5x, having to hang up and call back to repeat the process, the end result was a manager of the department getting rude with me, talking over me, stating, " I don't care what the response to CFPB was, we have cancelled the payment of XXXX and the check you already got for {$120.00} is all you're getting! '' In addition, the account is NOT closed to XXXX  for XXXX. The refunds they are sending me are being added back to the balance and the account is not closed despite their letters. 

Please re-open XXXX as their response is an out right LIE to you and to me. They have NOT sent me the check for XXXX -- they've in fact cancelled it. The letter dated XX/XX/XXXX showing they found the account for XXXX Fraudulent and set to XXXX and they would be contacting the bureaus to update this information -- they now tell me it is null and void -- doesn't exist. 

This company does not know what they are talking about. I have asked for original contract, proof of physical signature, recording by audio/phone of me asking for a line of credit and they refuse to send it to me. I don't need statements. I need what I am asking for!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
Company: I.C. System, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have contacted XXXX XXXX due to a collection account on my credit reports. I did not have a XXXX account, i informed ic system that this is a fraud matter and they refuse to remove it from my credit reports.

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 2021-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I started accruing maintenance charges in XXXX of XXXX despite increasing balances. 

XXXX {$25.00} Maintenance Charge XXXX {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We noticed on our credit reports that the information pertaining to the loan was incorrect. Payments had no been reported since XXXX of 2022 and our balance wasn't changing. Reached out to local and corporate branch and they insisted that they were reporting it sine we had never missed a payment. They balance over the phone was almost XXXX less than what is showing on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter with a Debit card on XX/XX/2021, and the following day XX/XX/2021 I received a letter saying " Thank you for opening new account ( s ) with PNC. '' and lower down on the letter list 3 accounts that I DID NOT OPEN. 

I called PNC bank, and they told me I'll be receiving a call form an investigator, which have not came yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
15 usc 1681 all 3 reporting agencies must promote accurate information with my credit report and thats exactly what they are not doing with the attachments below it shows all my accounts have been opened on different days, inaccurate and unverified information must be removed. I have certified mailed all 3 bureaus tracking number # XXXX and still have not receive any information.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with Experian, XXXX and XXXX. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to Experian, XXXX and XXXX failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. 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 explanation
Consumer complaint received 2023-10-06
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I made the mistake of opening a new Apple Card with Goldman Sachs on XX/XX/23. But it won't process direct XXXX XXXX purchases necessitating hours wasted on the phone and chat with the Goldman Sachs customer service making all kinds or excuses that maybe the XXXX password was changed or there was a glitch with XXXXXXXX XXXX installment payment option to be able to process the purchase. So, I just closed the Apple Card on XX/XX/23 but the nightmare did not end there. I tried multiple times to pay off the entire {$3000.00} balance but the Goldman Sachs system, whether via the web or phone app just refused to let me pay off the entire balance and get over with it. So, another hour spent with Goldman Sachs customer service on the chat and the phone with more excuses that their servers are slow, or my app software is not up to date. Even their customer service agents were unable to process the payment. So here I am blocked by Goldman Sachs to pay off my Apple Card. This is the bank that had even declined XXXX XXXX XXXX XXXX 's credit card application and now I can believe why. I have spent more time with Goldman Sachs customer service on the problems of their own creation than I have with all other credit card companies combined for the decades that I have had credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
they charging ridiculous fees when I deposited a check and they put the check on hold for almost two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All of the inquiries listed on my Equifax credit report are fraudulent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Nelnet, Inc.
State: NC
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:
On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use XXXX  ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time Nelnet ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against Nelnet for violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is reporting FIFTEEN of my accounts inaccurately. I have sent them TWO letters requesting them to do an investigation to update their inaccurate reporting. One in XXXX on 2022 the other in XXXX of 2022. They have yet to update this or even respond to wither of my requests in over 60 days. This is FCRA VIOLATION. 

Payments statuses are all reporting inaccurately- These need to be updated to the CURRENT PAYMENT STATUS, to PAID AS AGREED!!! 

Ive included both letters I wrote, as well asa copy of ALL FIFTEEN accounts credit report that they need to correct with the inaccurate information highlighted..

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