BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

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 2020-10-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call from a woman named XXXX XXXX in regards to a fraudulent check I supposedly deposited into an old bank account XXXX XXXX XXXX. She claims to call from XXXX XXXX  XXXX XXXX XXXX  XXXX. She claims that I was approved for a loan with XXXX XXXX XXXX and that theyre holding me criminally liable for depositing this check. She has contacted my employer and repeatedly called my phone. Things have now escalated to the point where weve been going back and forward through text messages. She referenced the car I drive as a threat, and stated that I could serve 10 years in prison. When I contacted the three entities that shes referencing-XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX National Credit Adjusters they stated that they do not work with any such law firm. XXXX XXXX also provided me with an email confirmation indicating that this is fraudulent. Miss XXXX repeatedly threatened me with imprisonment and legal action and used my personal information to make her claims sound legitimate. She has my full social security number she also has my license number and Im afraid that identity has been compromised. I have text message proof of our exchanges, she also sent me a picture of her computer screen to prove, shes not contacting me off of her personal cell. I also have a saved voicemail she was initially calling to speak with my boyfriend because supposedly has his name tied to a case. She later stated that she was only trying to get in touch with me. I understand that these matters should be ignored off the basis that she has no real claims and that this is a scam, but Im very concerned about her having my personal information. She has been messaging me since last week. Her phone number has already been reported to XXXX  XXXX XXXX XXXXXXXX XXXX XXXX. When she contacts my employer she calls from a XXXX area code I have the exchanges between my employer and myself after searching that number they found reports of it being a scam on XXXX also. Fortunately theyre aware but this is turning into harassment. Miss XXXX claims that they will proceed with criminal charges and her last message to me was that she will continue to call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A couple of years ago a XXXX XXXX card I had got charged off. Only {$300.00}, no big deal. Until last month, I started getting letters and calls. Okay, thats fine - understandable. What is not understandable is for them to call my Dad and ask him for my whereabouts and informed him about my debt. This has got to be illegal. The company is Radius Global Solutions LLC.

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a fraudulent charge in the amount of XXXX USD occurred in my Citibank checking account. This was at the height of the pandemic and many Citibank accounts were compromised during this time. I attempted to dispute this with the merchant but was unable to reach them. I reached out to Citibank and they said don't worry we'll get this resolved. Citibank closed that account opened a new one and gave me a credit in the amount of XXXX. Fast-forward to XXXX of XXXX I was trying to open a new account for my business but was unsuccessful due to Citibank charging off my closed account in the amount of XXXX. My account was closed with XXXX balance there is no way I should've received a charged off XXXX reporting, especially for a fraudulent charge. I want this erroneous reporting removed immediately, so I can reopen a checking account and continue running my business.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: CA
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:
Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my XXXX XXXX by appearing on my credit reports. Please have these removed ; XXXXXXXX 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 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 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 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 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 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

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 2023-05-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX I paid a contractor XXXX XXXX via check for a service from my account at TD Bank so the I could have proof of payment.It has been over a year and contractor failed to complete job so I filed a complaint with the state.The state referred me to XXXX XXXX XXXX for reimbursement due to failure of completion.The XXXX XXXX XXXX is requesting proof of payment which I am now unable to provide after going to the bank on XXXX I was told the check was never endorse even though money was withdrawn from my account.Due to the negligence of Td bank I currently don't have the proper proof of payment which was there duty to uphold and make sure all non-account holders provided proper endorsement and identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: CBC Companies, 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:
I find so many inaccurate information on my credit report which is in violation of FCRA wherein all should be correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have given Bank of America everything they have ask for and everyday a different person call and say the same pages are missing I keep faxing the same pages over and over and I keep getting the run around after these pages were fax to the numbers they have given me. This is not my fault because back in XX/XX/2019 I reach out to Bank of America representative and my Balloon loan expire in XXXX he sat on my application and waited until the Balloon loan expire when I called him he said he never submitted my application leave me in a bad situation which now I can loose my house please help me right now I am planning my mother funeral and this is too much stress for me and my family PLEASE!!!!!!

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 2020-10-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Refused a completely entitled chargeback. 

Our flight was cancelled in XXXX. I was unable to reach XXXX for several days after this. They refused to provide details or confirmation of a proper refund. They offered a physical ( Paper ONLY ) voucher and insisted I drive to their XXXX XXXX XXXX office to pick it up. Of note, I live in XXXX and XXXX was in the MIDDLE of a pandemic as THE US hotspot for cases. When I asked for a cash refund they refused to provide any confirmation of this outside of a verbal one " call back in a month or two to check on the status ''. I initiated a charge back on my card. Chase overturned this chargeback after XXXX simply attached their user agreement with nothing else. I appealed, XXXX then apparently sent them information implying I was given a voucher, which is a lie, fraud, whatever you want to call it. I have received no communication from XXXX for months, and speaking with someone for a refund is impossible as this juncture. I am still out XXXX dollars for a flight which they cancelled and refused to give me a refund for. 

Specific to Chase itself. They provided no details as to why the issue was overturned. They simply sent me a copy of the XXXX " terms and conditions '', the DOT and FTC guaranteed that airlines must reimburse flyers for cancelled flights. Chase didn't care. Chase also failed TO INFORM ME of losing my case, they merely inserted an XXXX dollar charge onto my account. Importantly they inserted that charge ON A PAST STATEMENT. I had to look back a month in order to find this charge. 

They refuse to " reopen '' the chargeback case. I was originally told to send a secure message which I did. That message " expired '' on XX/XX/XXXX, they never reopened my case, and failed to provide me with details of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My debit card is frozen. Theres {$110.00} in the account but Citizens Bank claims they cant send me a text with a number to confirm. Even though my cell number is on my account. 
They keep giving me the run around and wont tell me what causing this. Im XXXX, home bound except for doctors appointments and I can not come in to my local branch as Im unable to XXXX. 
I do all of my shopping online so this really interferes with my day to day living.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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: Account information incorrect

Complaint:
I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.

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 2023-08-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired XXXX XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and 1 more EXPERIAN Inquired on XX/XX/XXXX and 46 more EXPERIAN Inquired on XX/XX/XXXX and 20 more EXPERIAN XXXX Inquired on XX/XX/XXXX and 31 more EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired 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 2023-05-15
Company: Nelnet, Inc.
State: AL
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:
I have been informed that my current loans will transfer from Great Lakes to Nelnet on XX/XX/XXXX. The problem is that they are claiming they are loan transfers which I do not have a problem with. After digging for more information online I have learned that in actuality they wont be transferring my loan. They will be closing my loan which is one of my oldest credit lines ( 12 years. ) Then Nelnet will be opening a new account in my name ( without my authorization ) with the same loan terms. How is this legal? Nelnet owns Great Lakes so why cant they just transfer the current loans as they are? I have spoken to customer service for Great Lakes on XXXX and they said there is nothing they can do. Again, this is not a loan transfer. This is the closing of one loan and opening another without my permission. This will drastically affect my credit history length and I am 100 % against allowing them to open a new loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted Equifax on 5 separate occasions both via phone and mail to update my credit report. Currently, neither one of my XXXX XXXXXXXX cards are reporting to my Equifax. However, both are reporting to both XXXX And XXXX. I have sent Equifax multiple copies of all three reports so they can update the information accordingly. I've also contacted XXXX XXXX to make sure they are sending the correct info to Equifax. XXXX XXXX has confirmed that they are sending the information, its just Equifax is not reporting the information altogether. Equifax has not been thoroughly investigating disputes and instead of investigating they have refused to acknowledge my dispute or just sent me copies of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts belowXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX 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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus where I applied for credit with your organization. I do not recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Professional Credit MA, has put a charge off on my credit report in the amount of {$1100.00}. Opened in XX/XX/2015. I have never been contacted about this debt from anybody. I haven't ever received any phone calls, emails, or letters in the mail.. Isn't this against the law? Aren't the creditors supposed to contact me about a debt?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation