BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: Grain Technology, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I've been working with Grain Technologies they offered me a {$750.00} credit line, at first it was fine. Then when COVID hit I tried to get support which is non-existent. They disabled my online portal, and will not allow me to make payments, or allow me to verify my identity to pay the account. After speaking with a rep they said my online account was disabled because of the past due balance and once it's paid I can continue using the account. After I paid someone contacted me and said they decided to close my account once I pay it in full. I think I was deceived into making a payment, and once it was processed they decided to close my account once it's paid in full with no notice or explanation and they won't allow me to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There were XXXX separate credit cards opened in my name. 

The first company was Wells Fargo. I received the card in the mail on XX/XX/2023 and realized I did not open that account. I immediately tried to dispute with XXXX. 

Another card opened with XXXX XXXX XXXX XXXX I also reported this as a fraudulent account with XXXX. 

I was told they would be taking care of the accounts but also to report it. 

Both accounts are fraudulent.

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 2021-04-23
Company: EQUIFAX, INC.
State: CT
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:
An affidavit was sent to EquiFax due to someone attempting to open accounts using my name and social. Due to this, hard inquiries were placed on my account and negatively impacted my credit score and my ability to get approved for funding. 30 days passed and a letter was received stating they needed a copy of my ID and Social which was sent in the original packet sent to them. Original packet was sent on XX/XX/XXXX and it included the affidavit, dispute letter, and copy of social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was a victim of Identity Theft and only learned about this after Discover bank filed suit against me. I have sent in a dispute with the credit bureau 's and they still continue to report this inaacrate info to and on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Social Finance, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/26, a student loan I refinanced with SoFi was funded. At the time I refinanced, I responded to an offer to get a {$500.00} cash bonus as part of the refinance. After the refinance was completed, I reached out to inquire about the bonus and was instructed to ensure that I had a W9 on file and that the bonus would be paid in 30 days. I completed the W9 and have followed up with SoFi several times as I still havent received the bonus, and I am not getting helpful assistance. They keep telling me to do the W9 and the bonus will come, which Ive done and it hasnt. The company seems to lack solid controls for ensuring they can fulfill their customer commitments and Im very frustrated. I want the money that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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 previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Comerica
State: TX
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:
I was previously a XXXX member. I closed my account with them after they changed the amount you had to spend in order to receive free shipping of your items. But they have continued to charge me for membership. I have called and talked to managers 3 times only for them to tell me that i was not being charged as a member. They advised i call my bank. A time period did lapse in the beginning after my calling because the bank had changed the website and i was unable to sign in to my account which i called the bank and told them about this problem several times. Always being told they would have someone call me which never happened. I was charged {$14.00} on XXXX, XXXX, XXXX, XXXX, and XX/XX/25. During those time periods i bought nothing from XXXX. I promptly told them when i saw that i was still being charged this amount once i was finally able to see my bank statements and they will probably continue to charge me because the bank says they did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, the original creditor and consumer received a disrespectful debt collection letter from Radius Global Solution LLC attempting to collect a supposed debt. The debt collection letter stated that Radius Global Solution LLC is a debt collection company. With that being said, Radius Global Solutions LLC are subjected to follow the 15 USC XXXX XXXX Collection Practices by LAW. Radius Global Solutions LLC violated 6 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.

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 2023-10-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have never authorized an XXXX direct debit from the a fraud merchant XXXX XXXX Vis XXXX La, but they directed debit $ 79 monthly from my Citibank XXXX checking account from XX/XX/XXXX to XXXX XXXX. I have more than XXXX accounts in different banks, travel outside the country for months, so I didn't notice until XXXX XXXX. I contacted the bank right after I found out on XX/XX/XXXX. The Citi bank XXXX department refused to refund my transactions claiming under Electronic Fund Transfer Act. I was not able to get my money back and ask me to contact the merchant, but this merchant never is a legit merchant or I have never signed/ authorized them to debit my money. 
Citibank refused to refund me XXXX, XXXX, XX/XX/XXXX debit amount. But they credited me XXXX, XXXX, XX/XX/XXXX fund? How would that make sense??? The timing of those transactions that they refused was newer that those the bank credited me back. 

As a XXXX client, they are not providing very disappointing customer service. 
I would like to have my refund 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 explanation
Consumer complaint received 2022-01-17
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:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Call was made to transunion on XX/XX/XXXX. I reported to them that I was a victim of their " Inquiry '' Issue. I was told that I was not affected by the issue and I asked to speak to a supervisor and got the same response. 

As you can see Transunion was not help earlier as I submitted a dispute to them regarding XXXX and was told that there was nothing they can do. 

These inquiries went on my credit report because of these issues and affected my rates on financing. 

XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXXXXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/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 2023-08-10
Company: TRANSUNION INTERMEDIATE 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX continues to report a late payment when they are in clear violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E.

( II ) Covered period The term covered period means the period beginning on XX/XX/2020 and ending on the later of ( aa ) 120 days after XX/XX/2020 ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

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 2023-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: IL
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, the consumer, have identified multiple unauthorized inquiries with either open, closed, or no accounts. Whenever I call XXXX, XXXX, or Experian about this issue I am told that the inquires are accurate ( when they are not ) and I should add an identity theft ( which I do not want ) alert on my credit profile. XXXX, XXXX, or Experian can not furnish factual or nonfactual information that is a result from a transaction that arose from my credit card. First, I, the original creditor and consumer can verify what is and what is not accurate. I never gave XXXX, XXXX, or Experian the authority or permission to furnish or update a credit report on my behalf. They did not inform me with me first about any of the inquires or updates before verifying that it is mine. This has been going on for almost 2 years and I am extremely tired of this. I submitted an identity theft report several times and still being taken advantage of XXXX, XXXX, and Experian credit reporting agencies. I am a natural human being and I have more power and rights that any person who consider themselves a business or organization. XXXX, XXXX, or Experian are criminally and civilly liable for reporting inaccurate inquires.

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 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I have yet again ( 3rd time - previous complaint id XXXX ) on XX/XX/XXXX received email notification that BofA received an application for the XXXX XXXX XXXXXXXX XXXX credit card from me, however I did not fill out an application for any card. This time I was home and not on vacation, so I was able to address it promptly and called on XX/XX/XXXX and had them cancel it. However, they are labelling it fraud and shifting the blame to me as though I was negligent with my information. Why then, if this was fraud do I get emails announcing it and the other 2 times I actually got the cards in the mail because I didn't react fast enough and knew I had not filled out applications, so I did not think anything of it until I saw that BofA was in trouble for just this very thing. 
It makes no sense, if someone was applying for a card using my info then they would have the card sent to them. 
BofA application reference number is : 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2019-12-23
Company: AES/PHEAA
State: MA
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:
The student loan was made XX/XX/XXXX for {$45000.00}. I've been paying the loan as scheduled for 10 years. On XX/XX/XXXX I received a statement confirming I paid {$24000.00} and principal satisfied {$11000.00}. but the current balance was {$43000.00}. I call AES for an explanation and was told all the interest was compounded and applied on XX/XX/XXXX. Under this scenario its impossible to repay the loan. I feel the lender, AES, has not applied the interest properly and has misrepresented repayment of the loan. I'm on a 60 day deferment program and would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our loan with Loan Depot was in forbearance and protected under the Federal Cares Act which means the loan was NOT allowed to be reported as delinquent. We recently signed and returned a Partial Claim packet sent by them which was not due back until XX/XX/2021. However, this was returned to them by XXXX overnight, yesterday. As of this morning, they are reporting the account as severely delinquent while still in forbearance as set by the VA. This is the SECOND time they have reported this account delinquent after correcting the mistake via your help previously. They are repeat offenders of the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2018-02-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Without receiving a letter or phone call, my Barclays XXXX XXXX XXXX was closed. 

When I called to discuss the matter with customer service, they said they sent a letter on XX/XX/XXXX notifying me of the closure. 

The reason they gave me over the phone was that I had 6 inquiries and 2 new credit cards opened after I opened this XXXX XXXX account in XXXX. I have never been late on this cards or any other credit cards payments. I even have an overpayment credit with this XXXX XXXX. 

When I was invited by mail to open this card in XXXX of XXXX, I accepted and received the card shortly thereafter. Receiving an inquirie on ones credit is XXXX when opening accounts like this. So when I opened this XXXX XXXX I naturally received an inquiry as well, and also paid their annual fee of {$490.00}. 

Nowhere in the terms and conditions of this card does it say that, once I open this XXXX XXXX, I Los my federal right to apply for and open 2 more credit cards, which are all in excellent standing and with never a balance carryover to the following month. I am the prime candidate for a credit card of this manner. In addition, this XXXX XXXX has a credit limit of {$5000.00}, which is much smaller of a balance than any of my other cards. 

Since this leaves no true and legal cause for closure of my account in excellent standing, it leaves me no other option than to suspect that I was targeted and discriminated against for being of Armenian ethnicity. 

The XXXX who helped me was from the XXXX XXXX of XXXX, his first name is XXXX, and his Customer Service ID number that he provided is XXXX. Please help me get to the bottom of this u fair consume practice and hopefully not allow this to happen to anyone else.

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