BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Plus there are about 1000 soft inquries

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 2021-10-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wired {$170000.00} to XXXX XXXX also known as XXXX XXXX on XX/XX/XXXX at my XXXX Bank at XXXX. XXXX XXXX was supposed to deliver me Signed contract upon receipt of my proof of money being deposited into his account. Previously we had an agreement through via email that he was going to send me his sign portion of the contract when money is deposited. When that was completed I contacted XXXX to confirm if he received wire and he said yes. Later on that evening I received a call from another promoter name XXXX XXXX that he had already had a signed Contract agreement with XXXX XXXX for that same date I agreed with XXXX. 
XXXX sent me documentation proving to me that he wired money to XXXX just like I did and he showed me his signed contract he had with him that was signed on XX/XX/XXXX from him and XXXX. I immediately called XXXX about this wrongful crime he committed and requested for XXXX XXXX to refund me back my {$170000.00}. He promised me he would and needed more time. I was Believing his lies at the time till this point when I said enough is enough. I have been more than reasonable to him.. it is not that hard to refund me back my money. 
The purpose of this wire was to book his XXXX XXXX XXXX ( stage name ) for XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX real Name is XXXX XXXX XXXX 
XXXX claims the reason for his delay to give me back my money is because of his XXXXXXXX XXXX XXXXXXXX didnt want to return it back to me. Also he mentioned that it would damage his business and relationship with XXXX which I believe was another lie to keep my money and to stall time. The next lie XXXX told me was that he was in XXXX and was receiving a XXXX XXXX dollar transaction from someone and would pay me back out of that.. according to Artie.. due to the server it wasnt allowing him to wire me the money so he needed a few days to wire me back my money, my attorney is my witness he stated that because he was on the phone with me. At this point he has forced me to report this crime because I have ran out of patience and option to try to rectify this situation with XXXX XXXX. XXXX XXXX has illegally obtain money from me by deception. He knew what he was doing this entire time and I believe XXXX XXXX knew it as well. I have lost more than {$170000.00} now.. my time, attorney fees and etc. I would like to pursue Federal legal actions against him for my lost wages and damages he has caused me personally and to my business. 

Drop box link eith XXXX & XXXX messaging each other. XXXX kept lying about returning my money back. now he is not responding nor is his bank.. JP Morgan helping me with this issue : copy or paste in web browser or click link below to view XXXX XXXX XXXXXXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'VE BEEN DEALING WITH SOME ISSUES REGARDING MY PERSONAL CREDIT REPORT FOR SEVERAL MONTHS AND I'M NOT GETTING MUCH HELP FROM THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Information belongs to someone else

Complaint:
I'VE BEEN DEALING WITH SOME ISSUES REGARDING MY PERSONAL CREDIT REPORT FOR SEVERAL MONTHS AND I'M NOT GETTING MUCH HELP FROM THE CREDIT BUREAUS.

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 2017-12-27
Company: Nelnet, Inc.
State: TX
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 disputed items to XXXX for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, XXXX is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, XXXX is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am still in school. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Grow Credit 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:
Fraudulently opened in my name I have provided this company my FTC report and police report and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
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 XXXX XXXX, XXXX as a result of news report that Equifax was hacked, I checked, if my name was on the list. They responded with an e-mail XXXX XXXX, XXXX, to return to the website in a few days, to enroll in freeze and credit monitoring. 
On XXXX XXXX I again attempted to contact Equifax. They acknowledged my inquiry " Thanked me '' and asked me to look for e-mail to further the process. 
As of this date XXXX XXXX, XXXX, no conformation has been received. 

Please advise of a course of action I should take. Your help and assistance would be greatly appreciated. 

XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cash Net .com said I took out a loan online on XX/XX/XXXX in the amount of XXXX. I told them I did not. They did have some of my personal information some was right and some was wrong. The guy on the phone was very rude and hateful. 
Now XXXX XXXX XXXX ( number they called from XXXX ) is calling with the same information They said the money was deposited into a XXXX XXXX  account in my name with the last four digits of the account number. 
Both companies said they had reached out and sent notices by email but the email they had was not correct. 
I called XXXX XXXX on XX/XX/XXXX they confirmed i did not have an account with them and the account number I was given by XXXX did not exist. 
XXXX informed me I needed to pay the money or file a police report so I have spoke to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i opened a suntrust bank account XX/XX/XXXX & the online app didnt work so on XX/XX/XXXX i called and they told me my account was closed for review, with no email, letter in the mail or call notice. they said my funds would be sent via check 7-10 business days, I called again XX/XX/XXXX & was told my account was closed on the XXXX & that i had to wait 5-7 business days for a check in the mail. 11 business days later XX/XX/XXXX i call and they tell me that my account was closed on XX/XX/XXXX and a check will be mailed on 7-10 business days. it has been 15 business days since the account was supposedly closed and they keep telling me different days and to wait 7-10 business days each day i call. still to this day i have no received a letter in the mail, an email or phone call regarding my account being closed for any reason or any explanation.

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 2019-04-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and Equifax but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting a monthly payment of {$360.00}, XXXX is reporting {$0.00}, and Equifax is reporting {$360.00}. XXXX is reporting the date opened as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. XXXX is reporting date of last payment XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and eqifax is reporting XX/XX/XXXX. all 3bureau 's are reporting the number of months ( terms ) to be 73 months when it is 72 months this totally violating my rights and i need this reporting removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2021-10-25
Company: Experian Information Solutions 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:
i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, Experian, 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I sent a letter addressed to Credit Bureaus on XX/XX/XXXX to remove fraudulent information found on my Credit report that are completely unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, & # XXXX & I am including these items once again : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2017-10-31
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Compared with other problems, this might sound minor, but Citi is being very misleading in how it represents the minimum payment option. There is now a bar graph that shows my full balance of {$2300.00}. It shades a portion to show the statement balance of {$640.00}, as well as another shading to show the minimum payment of {$25.00}. The statement balance shading portion for the statement balance is representative, in that it shades about 25 % of the bar ( {$640.00} is about one-quarter of {$2300.00}. However, the shading for the minimum balance is close to half of the statement balance! Clearly, {$25.00} is nowhere near half of {$640.00} ( in fact, it 's about only 4 percent ). 

To me, this is a clear attempt to trick people in to paying only the minimum balance, with people thinking they are making a bigger dent in their credit balance than they actually are. This will allow Citi to continue to collect interest on a much larger balance, while the consumer thinks he is paying down the 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 2020-04-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive had a Macys account for almost 2 years, Ive made on time payments every time besides one time. On XXXX of 2018, I got a new card so I had provide my account number and routing number. I tried paying it on the same day that I always do but was unsure if I provided the wrong information. I tried to confirm with the representative if the transaction was completed ; They said it was. I called 2 days later because the payment wasnt taken out of my account yet, they said it was still confirmed and it may take a couple more days. Another 2 days went by and I called again and they said the exact same thing. A couple more days went by and it showed a late payment. I was on the was for over an hour waiting for a supervisor and they said that they couldnt personally remove the late payment from my account. Ive made a total of 16 on time payments after that. I strongly believe it was a mistake on both of our ends but it could had been forgiven.

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 2017-10-31
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with XXXX Pressler and Pressler LLP who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: MD
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 sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Navient Solutions, LLC.
State: NY
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:
My student loans are managed by Navient. My payment was due on XX/XX/XXXX. Because my account was set up on Auto Payment, I removed the Auto Payment information on XX/XX/XXXX to prevent the payment from being debited from my Checking account. I then called on XXXX to request and was approved for a forbearance. Despite all of this, Navient still took out the money from my checking account. 

I am filing a complaint that Navient made unauthorized charges to my checking account despite my actions to stop the payments. I have to have my bank do an investigation so I can get my funds returned to me, and now I do n't have enough money to pay my mortgage tomorrow ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime has a system error with chip on debit card and they know it. Cant access my money. Can't withdraw my money. Have no money for gas or pay my rent or purchase anything. Tried to purchase something from XXXX and got denied a few times have two deposits and only can pay online but not in store embarrassing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
CREDCO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2019-09-27
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX, I received multiple phone calls from XXXX XXXX XXXX regarding overdue debt. On multiple occasions, I told XXXX that the person they are trying to reach is not me. I filed a complaint with CFPB ( XXXX ) due to the repeated phone calls I received. In XX/XX/XXXX, I received a letter at my home address from XXXX XXXX XXXX regarding overdue debt. This company continues to harass me despite being told multiple times and a formal complain CFPB complaint being filed.

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